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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 | $9,834 | $46,732-79.0% | $156,551-93.7% | $55,167-82.2% |
| Participation rate | 23.8% | 65.8%-42.0pp | 84.0%-60.2pp | 69.0%-45.2pp |
| Annual return | -12.76% | 17.72%-30.5pp | 32.23%-45.0pp | 169.23%-182.0pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,209 | $2,204-45.1% | $4,871-75.2% | $3,054-60.4% |
| Admin fee / account holder | $1,711 | $418+309.1% | $13,028-86.9% | $504+239.6% |