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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 | $7,889 | $90,607-91.3% | $79,467-90.1% | $135,380-94.2% |
| Participation rate | 45.5% | 76.0%-30.6pp | 73.3%-27.9pp | 82.6%-37.2pp |
| Annual return | -13.27% | 977.74%-991.0pp | 718.30%-731.6pp | 519.81%-533.1pp |
| Employer contribution / active EE | $269 | $3,068-91.2% | $2,800-90.4% | $4,779-94.4% |
| Participant deferral / active EE | $3,182 | $4,050-21.4% | $3,704-14.1% | $5,609-43.3% |
| Admin fee / account holder | $580 | $5,895-90.2% | $5,104-88.6% | $10,828-94.6% |