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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 | $8,550 | $75,832-88.7% | $147,617-94.2% | $59,633-85.7% |
| Participation rate | 28.2% | 71.6%-43.4pp | 84.6%-56.4pp | 68.7%-40.5pp |
| Annual return | -6.17% | 0.37%-6.5pp | 61.98%-68.2pp | 2041.45%-2047.6pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,585 | $3,131-49.4% | $4,895-67.6% | $3,192-50.4% |
| Admin fee / account holder | $443 | $5,986-92.6% | $11,612-96.2% | $4,297-89.7% |