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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 | $17,420 | $78,694-77.9% | $67,652-74.3% | $125,389-86.1% |
| Participation rate | 33.3% | 78.8%-45.5pp | 75.7%-42.3pp | 83.2%-49.9pp |
| Annual return | -3.37% | 9.46%-12.8pp | 6625.40%-6628.8pp | 282.24%-285.6pp |
| Employer contribution / active EE | $944 | $3,044-69.0% | $2,266-58.3% | $4,866-80.6% |
| Participant deferral / active EE | $2,402 | $4,292-44.0% | $3,560-32.5% | $5,352-55.1% |
| Admin fee / account holder | $1,680 | $7,403-77.3% | $4,821-65.2% | $9,541-82.4% |