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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 | $8,521 | $72,404-88.2% | $110,241-92.3% | $64,181-86.7% |
| Participation rate | 29.3% | 73.3%-44.1pp | 79.8%-50.6pp | 69.6%-40.3pp |
| Annual return | -76.23% | -6.29%-69.9pp | 314.75%-391.0pp | 7.63%-83.9pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,282 | $3,469-34.2% | $4,672-51.2% | $3,470-34.2% |
| Admin fee / account holder | $5,321 | $5,664-6.1% | $8,548-37.7% | $4,887+8.9% |