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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 | $10,677 | $52,519-79.7% | $155,789-93.1% | $59,633-82.1% |
| Participation rate | 59.3% | 61.7%-2.4pp | 76.1%-16.8pp | 68.7%-9.4pp |
| Annual return | -3.08% | 53.51%-56.6pp | 71.54%-74.6pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $1,589-100.0% | $3,839-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,580 | $3,084-48.8% | $4,798-67.1% | $3,192-50.5% |
| Admin fee / account holder | $1,436 | $3,540-59.4% | $7,477-80.8% | $4,297-66.6% |