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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 | $9,979 | $75,832-86.8% | $147,617-93.2% | $59,633-83.3% |
| Participation rate | 20.6% | 71.6%-51.0pp | 84.6%-64.0pp | 68.7%-48.1pp |
| Annual return | -10.57% | 0.37%-10.9pp | 61.98%-72.6pp | 2041.45%-2052.0pp |
| Employer contribution / active EE | $529 | $3,485-84.8% | $5,564-90.5% | $2,203-76.0% |
| Participant deferral / active EE | $1,663 | $3,131-46.9% | $4,895-66.0% | $3,192-47.9% |
| Admin fee / account holder | $902 | $5,986-84.9% | $11,612-92.2% | $4,297-79.0% |