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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 | $7,108 | $107,363-93.4% | $92,909-92.3% | $152,897-95.4% |
| Participation rate | 26.3% | 79.8%-53.5pp | 76.0%-49.7pp | 82.5%-56.1pp |
| Annual return | 1.18% | 145.63%-144.4pp | 109.44%-108.3pp | 345.43%-344.2pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,309 | $4,848-73.0% | $4,238-69.1% | $5,851-77.6% |
| Admin fee / account holder | $938 | $7,082-86.8% | $5,795-83.8% | $11,599-91.9% |