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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 | $19,549 | $180,459-89.2% | $154,108-87.3% | $135,380-85.6% |
| Participation rate | 64.7% | 87.4%-22.7pp | 83.0%-18.3pp | 82.6%-17.9pp |
| Annual return | -16.39% | 888.21%-904.6pp | 735.21%-751.6pp | 519.81%-536.2pp |
| Employer contribution / active EE | $1,776 | $6,035-70.6% | $5,298-66.5% | $4,779-62.8% |
| Participant deferral / active EE | $5,033 | $5,806-13.3% | $5,081-0.9% | $5,609-10.3% |
| Admin fee / account holder | $351 | $16,145-97.8% | $13,411-97.4% | $10,828-96.8% |