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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 | $10,509 | $160,059-93.4% | $140,019-92.5% | $135,380-92.2% |
| Participation rate | 66.7% | 88.5%-21.9pp | 87.5%-20.8pp | 82.6%-16.0pp |
| Annual return | -22.15% | 911.48%-933.6pp | 651.17%-673.3pp | 519.81%-542.0pp |
| Employer contribution / active EE | $2,118 | $6,420-67.0% | $5,605-62.2% | $4,779-55.7% |
| Participant deferral / active EE | $3,040 | $7,641-60.2% | $6,927-56.1% | $5,609-45.8% |
| Admin fee / account holder | $455 | $13,328-96.6% | $10,705-95.8% | $10,828-95.8% |