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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 | $25,638 | $183,988-86.1% | $162,177-84.2% | $152,897-83.2% |
| Participation rate | 52.9% | 88.5%-35.6pp | 87.6%-34.6pp | 82.5%-29.5pp |
| Annual return | -4.20% | 150.79%-155.0pp | 115.60%-119.8pp | 345.43%-349.6pp |
| Employer contribution / active EE | $1,644 | $6,370-74.2% | $5,613-70.7% | $4,764-65.5% |
| Participant deferral / active EE | $5,240 | $8,032-34.8% | $7,297-28.2% | $5,851-10.5% |
| Admin fee / account holder | $22,824 | $13,123+73.9% | $10,843+110.5% | $11,599+96.8% |