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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 | $10,199 | $180,462-94.3% | $154,111-93.4% | $135,379-92.5% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -14.53% | 888.17%-902.7pp | 735.18%-749.7pp | 519.79%-534.3pp |
| Employer contribution / active EE | $1,762 | $6,036-70.8% | $5,298-66.7% | $4,779-63.1% |
| Participant deferral / active EE | $2,365 | $5,806-59.3% | $5,081-53.5% | $5,609-57.8% |
| Admin fee / account holder | $551 | $16,145-96.6% | $13,411-95.9% | $10,828-94.9% |