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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 | $22,548 | $135,639-83.4% | $110,241-79.5% | $135,382-83.3% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -9.14% | 513.21%-522.4pp | 314.75%-323.9pp | 519.77%-528.9pp |
| Employer contribution / active EE | $1,363 | $4,907-72.2% | $3,827-64.4% | $4,779-71.5% |
| Participant deferral / active EE | $8,952 | $5,507+62.6% | $4,672+91.6% | $5,609+59.6% |
| Admin fee / account holder | $361 | $11,457-96.9% | $8,548-95.8% | $10,829-96.7% |