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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 | $8,024 | $152,542-94.7% | $117,498-93.2% | $134,509-94.0% |
| Participation rate | 23.8% | 77.1%-53.3pp | 70.6%-46.8pp | 81.2%-57.4pp |
| Annual return | -76.18% | 53.02%-129.2pp | 29.75%-105.9pp | 418.13%-494.3pp |
| Employer contribution / active EE | $398 | $5,574-92.9% | $4,178-90.5% | $4,741-91.6% |
| Participant deferral / active EE | $1,560 | $4,819-67.6% | $4,071-61.7% | $6,400-75.6% |
| Admin fee / account holder | $598 | $7,006-91.5% | $5,646-89.4% | $11,427-94.8% |