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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 | $8,063 | $45,566-82.3% | $64,105-87.4% | $59,633-86.5% |
| Participation rate | 17.4% | 60.2%-42.8pp | 68.2%-50.8pp | 68.7%-51.3pp |
| Annual return | -14.02% | 4.95%-19.0pp | 791.24%-805.3pp | 2041.45%-2055.5pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $967 | $2,057-53.0% | $2,822-65.7% | $3,192-69.7% |
| Admin fee / account holder | $2,128 | $3,268-34.9% | $4,499-52.7% | $4,297-50.5% |