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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,149 | $69,515-82.5% | $86,868-86.0% | $85,856-85.8% |
| Participation rate | 18.5% | 66.3%-47.8pp | 71.6%-53.1pp | 69.3%-50.8pp |
| Annual return | -261.15% | 20.12%-281.3pp | 63.53%-324.7pp | 318.58%-579.7pp |
| Employer contribution / active EE | $383 | $1,880-79.6% | $2,496-84.7% | $2,565-85.1% |
| Participant deferral / active EE | $2,657 | $2,919-9.0% | $3,699-28.2% | $3,952-32.8% |
| Admin fee / account holder | $9,219 | $5,972+54.4% | $5,829+58.2% | $6,261+47.2% |