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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 | $8,887 | $77,908-88.6% | $149,696-94.1% | $75,173-88.2% |
| Participation rate | 11.8% | 65.6%-53.8pp | 78.8%-67.0pp | 67.2%-55.4pp |
| Annual return | -21.71% | 31.73%-53.4pp | 134.46%-156.2pp | 160.72%-182.4pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,329 | $3,411-61.0% | $5,682-76.6% | $4,126-67.8% |
| Admin fee / account holder | $2,091 | $5,950-64.9% | $13,212-84.2% | $5,651-63.0% |