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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 | $14,786 | $98,766-85.0% | $149,730-90.1% | $79,852-81.5% |
| Participation rate | 38.2% | 75.8%-37.5pp | 82.5%-44.2pp | 69.6%-31.4pp |
| Annual return | -38.17% | 27.43%-65.6pp | 276.70%-314.9pp | 31.72%-69.9pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,222 | $5,681-25.7% | $6,843-38.3% | $3,740+12.9% |
| Admin fee / account holder | $4,240 | $6,052-29.9% | $9,310-54.5% | $5,306-20.1% |