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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 | $11,395 | $180,462-93.7% | $154,111-92.6% | $135,379-91.6% |
| Participation rate | 62.5% | 87.4%-24.9pp | 83.0%-20.5pp | 82.6%-20.1pp |
| Annual return | -14.19% | 888.17%-902.4pp | 735.18%-749.4pp | 519.79%-534.0pp |
| Employer contribution / active EE | $2,241 | $6,036-62.9% | $5,298-57.7% | $4,779-53.1% |
| Participant deferral / active EE | $4,968 | $5,806-14.4% | $5,081-2.2% | $5,609-11.4% |
| Admin fee / account holder | $482 | $16,145-97.0% | $13,411-96.4% | $10,828-95.6% |