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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 | $2,515 | $175,257-98.6% | $149,717-98.3% | $139,456-98.2% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | -8.67% | 166.70%-175.4pp | 134.41%-143.1pp | 373.45%-382.1pp |
| Employer contribution / active EE | $1,093 | $5,477-80.0% | $4,820-77.3% | $4,753-77.0% |
| Participant deferral / active EE | $2,103 | $6,521-67.8% | $5,682-63.0% | $6,711-68.7% |
| Admin fee / account holder | $514 | $16,156-96.8% | $13,213-96.1% | $11,407-95.5% |