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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 | $13,765 | $82,630-83.3% | $64,105-78.5% | $125,389-89.0% |
| Participation rate | 47.6% | 75.9%-28.2pp | 68.2%-20.6pp | 83.2%-35.6pp |
| Annual return | -4.35% | 1489.72%-1494.1pp | 791.24%-795.6pp | 282.24%-286.6pp |
| Employer contribution / active EE | $1,003 | $2,671-62.4% | $1,820-44.9% | $4,866-79.4% |
| Participant deferral / active EE | $2,211 | $3,608-38.7% | $2,822-21.6% | $5,352-58.7% |
| Admin fee / account holder | $372 | $6,382-94.2% | $4,499-91.7% | $9,541-96.1% |