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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 | $17,268 | $94,529-81.7% | $140,019-87.7% | $64,173-73.1% |
| Participation rate | 50.0% | 84.1%-34.1pp | 87.5%-37.5pp | 69.6%-19.6pp |
| Annual return | -15.31% | 7.77%-23.1pp | 651.17%-666.5pp | 7.63%-22.9pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,442 | $5,250+22.7% | $6,927-7.0% | $3,470+85.7% |
| Admin fee / account holder | $1,474 | $6,741-78.1% | $10,705-86.2% | $4,887-69.8% |