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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 | $5,746 | $138,072-95.8% | $123,549-95.3% | $135,382-95.8% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -35.65% | 153.69%-189.3pp | 119.20%-154.9pp | 519.77%-555.4pp |
| Employer contribution / active EE | $1,660 | $5,152-67.8% | $4,628-64.1% | $4,779-65.3% |
| Participant deferral / active EE | $2,322 | $6,799-65.8% | $6,426-63.9% | $5,609-58.6% |
| Admin fee / account holder | $1,072 | $10,917-90.2% | $9,284-88.5% | $10,829-90.1% |