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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 | $12,232 | $107,941-88.7% | $91,994-86.7% | $152,897-92.0% |
| Participation rate | 56.3% | 81.2%-24.9pp | 78.6%-22.4pp | 82.5%-26.2pp |
| Annual return | -9.27% | 89.28%-98.5pp | 69.04%-78.3pp | 345.43%-354.7pp |
| Employer contribution / active EE | $1,562 | $4,212-62.9% | $3,453-54.8% | $4,764-67.2% |
| Participant deferral / active EE | $4,718 | $6,366-25.9% | $5,924-20.4% | $5,851-19.4% |
| Admin fee / account holder | $2,814 | $10,521-73.3% | $7,744-63.7% | $11,599-75.7% |