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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 | $3,088 | $109,967-97.2% | $97,197-96.8% | $145,877-97.9% |
| Participation rate | 34.8% | 76.0%-41.2pp | 72.7%-37.9pp | 80.3%-45.5pp |
| Annual return | -64.04% | 244.27%-308.3pp | 75.47%-139.5pp | 551.28%-615.3pp |
| Employer contribution / active EE | $579 | $3,077-81.2% | $2,723-78.7% | $4,663-87.6% |
| Participant deferral / active EE | $991 | $4,676-78.8% | $4,263-76.8% | $6,691-85.2% |
| Admin fee / account holder | $1,431 | $6,199-76.9% | $5,637-74.6% | $13,402-89.3% |