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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 | $4,231 | $75,935-94.4% | $60,547-93.0% | $125,389-96.6% |
| Participation rate | 33.3% | 76.5%-43.2pp | 68.0%-34.6pp | 83.2%-49.9pp |
| Annual return | -16.96% | -5.38%-11.6pp | 335.64%-352.6pp | 282.24%-299.2pp |
| Employer contribution / active EE | $0 | $3,438-100.0% | $2,419-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $2,037 | $4,506-54.8% | $3,328-38.8% | $5,352-61.9% |
| Admin fee / account holder | $1,606 | $6,768-76.3% | $4,536-64.6% | $9,541-83.2% |