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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 | $7,850 | $99,644-92.1% | $86,438-90.9% | $134,532-94.2% |
| Participation rate | 33.3% | 82.1%-48.7pp | 80.3%-47.0pp | 81.2%-47.9pp |
| Annual return | -39.27% | 6787.26%-6826.5pp | 4397.19%-4436.5pp | 418.27%-457.5pp |
| Employer contribution / active EE | $1,081 | $4,402-75.4% | $3,769-71.3% | $4,741-77.2% |
| Participant deferral / active EE | $4,585 | $7,247-36.7% | $6,952-34.1% | $6,401-28.4% |
| Admin fee / account holder | $1,505 | $8,375-82.0% | $6,733-77.7% | $11,429-86.8% |