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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 | $8,143 | $47,977-83.0% | $154,111-94.7% | $56,287-85.5% |
| Participation rate | 20.8% | 66.2%-45.4pp | 83.0%-62.3pp | 69.9%-49.1pp |
| Annual return | -12.34% | 3.54%-15.9pp | 735.18%-747.5pp | -9.96%-2.4pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $5,298-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $808 | $2,392-66.2% | $5,081-84.1% | $3,350-75.9% |
| Admin fee / account holder | $734 | $438+67.6% | $13,411-94.5% | $521+41.0% |