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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 | $13,736 | $72,177-81.0% | $115,037-88.1% | $59,633-77.0% |
| Participation rate | 15.8% | 72.6%-56.8pp | 81.4%-65.6pp | 68.7%-52.9pp |
| Annual return | -16.81% | 12.02%-28.8pp | 26.14%-43.0pp | 2041.40%-2058.2pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,223 | $4,783-53.5% | $6,026-63.1% | $3,192-30.4% |
| Admin fee / account holder | $1,262 | $4,927-74.4% | $8,175-84.6% | $4,297-70.6% |