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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 | $12,767 | $97,729-86.9% | $83,830-84.8% | $135,379-90.6% |
| Participation rate | 61.5% | 80.0%-18.4pp | 76.1%-14.6pp | 82.6%-21.1pp |
| Annual return | -16.99% | 1287.52%-1304.5pp | 850.97%-868.0pp | 519.79%-536.8pp |
| Employer contribution / active EE | $1,137 | $4,222-73.1% | $3,631-68.7% | $4,779-76.2% |
| Participant deferral / active EE | $4,044 | $4,683-13.6% | $4,082-0.9% | $5,609-27.9% |
| Admin fee / account holder | $615 | $6,674-90.8% | $5,479-88.8% | $10,828-94.3% |