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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 | $7,726 | $142,392-94.6% | $119,622-93.5% | $134,532-94.3% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -192.81% | -12.46%-180.4pp | -14.98%-177.8pp | 418.27%-611.1pp |
| Employer contribution / active EE | $3,677 | $5,224-29.6% | $4,232-13.1% | $4,741-22.4% |
| Participant deferral / active EE | $4,168 | $6,467-35.6% | $5,601-25.6% | $6,401-34.9% |
| Admin fee / account holder | $3,508 | $13,593-74.2% | $10,328-66.0% | $11,429-69.3% |