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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 | $9,045 | $47,977-81.1% | $154,108-94.1% | $56,289-83.9% |
| Participation rate | 33.9% | 66.2%-32.3pp | 83.0%-49.2pp | 69.9%-36.0pp |
| Annual return | -10.39% | 3.54%-13.9pp | 735.21%-745.6pp | -9.96%-0.4pp |
| Employer contribution / active EE | $580 | $2,169-73.3% | $5,298-89.1% | $2,111-72.5% |
| Participant deferral / active EE | $1,472 | $2,392-38.5% | $5,081-71.0% | $3,350-56.1% |
| Admin fee / account holder | $1,094 | $438+149.7% | $13,411-91.8% | $521+110.1% |