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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 | $9,703 | $75,832-87.2% | $147,617-93.4% | $59,633-83.7% |
| Participation rate | 61.5% | 71.6%-10.0pp | 84.6%-23.1pp | 68.7%-7.1pp |
| Annual return | -3.01% | 0.37%-3.4pp | 61.98%-65.0pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $647 | $3,485-81.4% | $5,564-88.4% | $2,203-70.6% |
| Participant deferral / active EE | $1,212 | $3,131-61.3% | $4,895-75.2% | $3,192-62.0% |
| Admin fee / account holder | $981 | $5,986-83.6% | $11,612-91.6% | $4,297-77.2% |