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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 | $965 | $76,519-98.7% | $56,025-98.3% | $145,897-99.3% |
| Participation rate | 68.8% | 63.2%+5.5pp | 52.5%+16.2pp | 80.3%-11.6pp |
| Annual return | -35.98% | 3017.03%-3053.0pp | 1712.69%-1748.7pp | 552.29%-588.3pp |
| Employer contribution / active EE | $321 | $1,383-76.8% | $1,042-69.2% | $4,663-93.1% |
| Participant deferral / active EE | $467 | $2,624-82.2% | $1,955-76.1% | $6,689-93.0% |
| Admin fee / account holder | $712 | $3,331-78.6% | $2,828-74.8% | $13,390-94.7% |