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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 | $12,042 | $160,059-92.5% | $140,019-91.4% | $135,380-91.1% |
| Participation rate | 62.5% | 88.5%-26.0pp | 87.5%-25.0pp | 82.6%-20.1pp |
| Annual return | -12.69% | 911.48%-924.2pp | 651.17%-663.9pp | 519.81%-532.5pp |
| Employer contribution / active EE | $1,654 | $6,420-74.2% | $5,605-70.5% | $4,779-65.4% |
| Participant deferral / active EE | $4,181 | $7,641-45.3% | $6,927-39.6% | $5,609-25.5% |
| Admin fee / account holder | $2,598 | $13,328-80.5% | $10,705-75.7% | $10,828-76.0% |