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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 | $14,921 | $176,105-91.5% | $159,474-90.6% | $167,536-91.1% |
| Participation rate | 57.1% | 85.0%-27.8pp | 82.8%-25.7pp | 82.1%-25.0pp |
| Annual return | -17.23% | 331.91%-349.1pp | 263.68%-280.9pp | 478.82%-496.0pp |
| Employer contribution / active EE | $1,342 | $5,299-74.7% | $4,831-72.2% | $4,839-72.3% |
| Participant deferral / active EE | $6,053 | $7,751-21.9% | $7,353-17.7% | $6,342-4.6% |
| Admin fee / account holder | $2,947 | $12,559-76.5% | $10,802-72.7% | $12,315-76.1% |