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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 | $7,245 | $60,119-87.9% | $90,430-92.0% | $79,858-90.9% |
| Participation rate | 38.6% | 65.0%-26.4pp | 72.7%-34.1pp | 69.6%-31.0pp |
| Annual return | 4.45% | 71.94%-67.5pp | 1293.73%-1289.3pp | 31.72%-27.3pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $3,262-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $965 | $2,938-67.1% | $3,963-75.6% | $3,740-74.2% |
| Admin fee / account holder | $799 | $3,976-79.9% | $5,613-85.8% | $5,306-84.9% |