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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 | $11,086 | $52,519-78.9% | $155,789-92.9% | $59,633-81.4% |
| Participation rate | 21.8% | 61.7%-39.9pp | 76.1%-54.3pp | 68.7%-46.9pp |
| Annual return | -28.72% | 53.51%-82.2pp | 71.54%-100.3pp | 2041.45%-2070.2pp |
| Employer contribution / active EE | $0 | $1,589-100.0% | $3,839-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,407 | $3,084+10.4% | $4,798-29.0% | $3,192+6.7% |
| Admin fee / account holder | $2,840 | $3,540-19.8% | $7,477-62.0% | $4,297-33.9% |