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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 | $14,554 | $167,362-91.3% | $143,799-89.9% | $134,532-89.2% |
| Participation rate | 33.3% | 84.8%-51.5pp | 80.3%-47.0pp | 81.2%-47.9pp |
| Annual return | -116.95% | 0.47%-117.4pp | -0.04%-116.9pp | 418.27%-535.2pp |
| Employer contribution / active EE | $2,573 | $5,620-54.2% | $4,952-48.0% | $4,741-45.7% |
| Participant deferral / active EE | $2,573 | $6,447-60.1% | $5,638-54.4% | $6,401-59.8% |
| Admin fee / account holder | $2,358 | $18,094-87.0% | $14,677-83.9% | $11,429-79.4% |