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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 | $7,215 | $138,072-94.8% | $123,549-94.2% | $135,382-94.7% |
| Participation rate | 69.2% | 84.7%-15.5pp | 82.3%-13.1pp | 82.6%-13.4pp |
| Annual return | -35.09% | 153.69%-188.8pp | 119.20%-154.3pp | 519.77%-554.9pp |
| Employer contribution / active EE | $1,940 | $5,152-62.3% | $4,628-58.1% | $4,779-59.4% |
| Participant deferral / active EE | $2,903 | $6,799-57.3% | $6,426-54.8% | $5,609-48.2% |
| Admin fee / account holder | $1,846 | $10,917-83.1% | $9,284-80.1% | $10,829-83.0% |