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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 | $13,852 | $197,819-93.0% | $155,789-91.1% | $125,389-89.0% |
| Participation rate | 57.1% | 82.1%-24.9pp | 76.1%-19.0pp | 83.2%-26.0pp |
| Annual return | -6.82% | 86.73%-93.6pp | 71.54%-78.4pp | 282.24%-289.1pp |
| Employer contribution / active EE | $789 | $4,850-83.7% | $3,839-79.5% | $4,866-83.8% |
| Participant deferral / active EE | $2,800 | $5,631-50.3% | $4,798-41.6% | $5,352-47.7% |
| Admin fee / account holder | $1,118 | $9,544-88.3% | $7,477-85.0% | $9,541-88.3% |