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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 | $6,645 | $52,678-87.4% | $75,784-91.2% | $59,633-88.9% |
| Participation rate | 40.7% | 67.2%-26.5pp | 75.8%-35.1pp | 68.7%-27.9pp |
| Annual return | -16.46% | 2.95%-19.4pp | 9.68%-26.1pp | 2041.40%-2057.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,689 | $2,591-34.8% | $3,652-53.7% | $3,192-47.1% |
| Admin fee / account holder | $1,031 | $3,610-71.4% | $5,300-80.6% | $4,297-76.0% |