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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 | $18,714 | $138,072-86.4% | $123,549-84.9% | $135,382-86.2% |
| Participation rate | 68.2% | 84.7%-16.6pp | 82.3%-14.1pp | 82.6%-14.5pp |
| Annual return | -11.02% | 153.69%-164.7pp | 119.20%-130.2pp | 519.77%-530.8pp |
| Employer contribution / active EE | $1,336 | $5,152-74.1% | $4,628-71.1% | $4,779-72.0% |
| Participant deferral / active EE | $5,029 | $6,799-26.0% | $6,426-21.7% | $5,609-10.3% |
| Admin fee / account holder | $670 | $10,917-93.9% | $9,284-92.8% | $10,829-93.8% |