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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 | $17,111 | $82,028-79.1% | $123,105-86.1% | $59,633-71.3% |
| Participation rate | 60.0% | 83.2%-23.2pp | 86.8%-26.8pp | 68.7%-8.7pp |
| Annual return | -6.93% | 5.12%-12.0pp | 13.22%-20.1pp | 2041.45%-2048.4pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $5,151-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,663 | $4,667-0.1% | $6,229-25.1% | $3,192+46.1% |
| Admin fee / account holder | $975 | $5,879-83.4% | $9,014-89.2% | $4,297-77.3% |