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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 | $3,705 | $96,419-96.2% | $80,648-95.4% | $139,487-97.3% |
| Participation rate | 58.8% | 73.6%-14.8pp | 67.0%-8.2pp | 80.3%-21.5pp |
| Annual return | -5.68% | 1352.86%-1358.5pp | 937.21%-942.9pp | 373.84%-379.5pp |
| Employer contribution / active EE | $630 | $3,261-80.7% | $2,724-76.9% | $4,755-86.7% |
| Participant deferral / active EE | $1,625 | $5,225-68.9% | $4,443-63.4% | $6,713-75.8% |
| Admin fee / account holder | $331 | $6,605-95.0% | $5,382-93.8% | $11,407-97.1% |