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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 | $18,900 | $197,637-90.4% | $177,848-89.4% | $158,982-88.1% |
| Participation rate | 60.0% | 88.5%-28.5pp | 87.7%-27.7pp | 82.0%-22.0pp |
| Annual return | -1.35% | 58.77%-60.1pp | 48.33%-49.7pp | 302.99%-304.3pp |
| Employer contribution / active EE | $4,274 | $6,698-36.2% | $5,919-27.8% | $4,763-10.3% |
| Participant deferral / active EE | $5,050 | $8,405-39.9% | $7,714-34.5% | $5,983-15.6% |
| Admin fee / account holder | $2,826 | $15,406-81.7% | $12,431-77.3% | $11,252-74.9% |