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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 | $4,446 | $58,258-92.4% | $81,820-94.6% | $80,925-94.5% |
| Participation rate | 56.4% | 63.5%-7.1pp | 72.4%-16.0pp | 67.7%-11.2pp |
| Annual return | 10.76% | 41.76%-31.0pp | 777.93%-767.2pp | 35.65%-24.9pp |
| Employer contribution / active EE | $0 | $2,345-100.0% | $2,915-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,427 | $3,284-56.5% | $4,323-67.0% | $4,299-66.8% |
| Admin fee / account holder | $617 | $4,976-87.6% | $7,391-91.6% | $6,940-91.1% |