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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 | $8,255 | $40,566-79.7% | $96,754-91.5% | $64,728-87.2% |
| Participation rate | 6.9% | 24.8%-18.0pp | 70.3%-63.4pp | 57.9%-51.0pp |
| Annual return | 3.53% | 93.20%-89.7pp | 82.04%-78.5pp | 49.38%-45.8pp |
| Employer contribution / active EE | $0 | $808-100.0% | $2,679-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $250 | $933-73.2% | $4,758-94.7% | $2,729-90.8% |
| Admin fee / account holder | $1,491 | $2,770-46.2% | $8,905-83.3% | $1,145+30.2% |