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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 | $5,401 | $84,685-93.6% | $73,836-92.7% | $125,389-95.7% |
| Participation rate | 64.3% | 76.8%-12.5pp | 73.4%-9.2pp | 83.2%-18.9pp |
| Annual return | -21.63% | 3123.80%-3145.4pp | 2268.06%-2289.7pp | 282.24%-303.9pp |
| Employer contribution / active EE | $1,094 | $3,123-65.0% | $2,787-60.8% | $4,866-77.5% |
| Participant deferral / active EE | $3,679 | $3,993-7.8% | $3,583+2.7% | $5,352-31.2% |
| Admin fee / account holder | $701 | $5,694-87.7% | $4,882-85.6% | $9,541-92.7% |