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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 | $21,889 | $168,635-87.0% | $147,617-85.2% | $125,389-82.5% |
| Participation rate | 57.9% | 88.8%-30.9pp | 84.6%-26.7pp | 83.2%-25.3pp |
| Annual return | -4.72% | 77.65%-82.4pp | 61.98%-66.7pp | 282.24%-287.0pp |
| Employer contribution / active EE | $1,963 | $6,252-68.6% | $5,564-64.7% | $4,866-59.7% |
| Participant deferral / active EE | $2,951 | $5,507-46.4% | $4,895-39.7% | $5,352-44.9% |
| Admin fee / account holder | $1,397 | $13,580-89.7% | $11,612-88.0% | $9,541-85.4% |