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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 | $9,270 | $41,150-77.5% | $80,627-88.5% | $71,511-87.0% |
| Participation rate | 18.7% | 50.3%-31.6pp | 67.0%-48.4pp | 67.9%-49.3pp |
| Annual return | -25.84% | 38.48%-64.3pp | 936.76%-962.6pp | 28.86%-54.7pp |
| Employer contribution / active EE | $0 | $1,515-100.0% | $2,723-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,569 | $2,701-41.9% | $4,443-64.7% | $4,291-63.4% |
| Admin fee / account holder | $2,892 | $1,841+57.0% | $5,381-46.3% | $1,588+82.0% |