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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 | $18,805 | $138,076-86.4% | $123,553-84.8% | $135,380-86.1% |
| Participation rate | 50.0% | 84.7%-34.7pp | 82.3%-32.3pp | 82.6%-32.6pp |
| Annual return | -15.48% | 153.70%-169.2pp | 119.21%-134.7pp | 519.81%-535.3pp |
| Employer contribution / active EE | $2,597 | $5,152-49.6% | $4,628-43.9% | $4,779-45.6% |
| Participant deferral / active EE | $6,118 | $6,800-10.0% | $6,426-4.8% | $5,609+9.1% |
| Admin fee / account holder | $2,657 | $10,917-75.7% | $9,284-71.4% | $10,828-75.5% |