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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 | $11,251 | $45,152-75.1% | $73,845-84.8% | $59,632-81.1% |
| Participation rate | 40.3% | 64.0%-23.7pp | 73.4%-33.1pp | 68.7%-28.4pp |
| Annual return | -2.98% | 27.40%-30.4pp | 2267.91%-2270.9pp | 2041.32%-2044.3pp |
| Employer contribution / active EE | $0 | $1,902-100.0% | $2,788-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,172 | $2,574-54.5% | $3,583-67.3% | $3,192-63.3% |
| Admin fee / account holder | $928 | $3,516-73.6% | $4,881-81.0% | $4,297-78.4% |