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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 | $13,386 | $138,076-90.3% | $123,553-89.2% | $135,380-90.1% |
| Participation rate | 63.6% | 84.7%-21.1pp | 82.3%-18.7pp | 82.6%-19.0pp |
| Annual return | -13.14% | 153.70%-166.8pp | 119.21%-132.3pp | 519.81%-532.9pp |
| Employer contribution / active EE | $1,576 | $5,152-69.4% | $4,628-66.0% | $4,779-67.0% |
| Participant deferral / active EE | $3,854 | $6,800-43.3% | $6,426-40.0% | $5,609-31.3% |
| Admin fee / account holder | $486 | $10,917-95.6% | $9,284-94.8% | $10,828-95.5% |