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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 | $9,416 | $82,674-88.6% | $125,381-92.5% | $68,486-86.3% |
| Participation rate | 42.1% | 75.1%-32.9pp | 82.4%-40.3pp | 67.9%-25.8pp |
| Annual return | -24.11% | -5.97%-18.1pp | 572.31%-596.4pp | -7.85%-16.3pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,609 | $6,111-40.9% | $7,448-51.5% | $4,028-10.4% |
| Admin fee / account holder | $339 | $6,277-94.6% | $10,007-96.6% | $5,404-93.7% |