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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 | $5,911 | $95,975-93.8% | $74,549-92.1% | $135,379-95.6% |
| Participation rate | 50.0% | 75.7%-25.7pp | 69.1%-19.1pp | 82.6%-32.6pp |
| Annual return | -12.96% | 56.96%-69.9pp | 32.53%-45.5pp | 519.79%-532.7pp |
| Employer contribution / active EE | $998 | $2,716-63.2% | $1,961-49.1% | $4,779-79.1% |
| Participant deferral / active EE | $1,279 | $3,844-66.7% | $3,108-58.8% | $5,609-77.2% |
| Admin fee / account holder | $990 | $6,522-84.8% | $5,059-80.4% | $10,828-90.9% |