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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 | $12,044 | $138,102-91.3% | $125,381-90.4% | $134,532-91.0% |
| Participation rate | 55.6% | 84.5%-28.9pp | 82.4%-26.8pp | 81.2%-25.7pp |
| Annual return | -30.53% | 750.73%-781.3pp | 572.31%-602.8pp | 418.27%-448.8pp |
| Employer contribution / active EE | $2,835 | $5,245-46.0% | $4,815-41.1% | $4,741-40.2% |
| Participant deferral / active EE | $3,554 | $7,801-54.4% | $7,448-52.3% | $6,401-44.5% |
| Admin fee / account holder | $1,340 | $11,568-88.4% | $10,007-86.6% | $11,429-88.3% |