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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 | $2,112 | $108,701-98.1% | $74,723-97.2% | $152,909-98.6% |
| Participation rate | 56.3% | 65.4%-9.1pp | 54.5%+1.8pp | 82.5%-26.2pp |
| Annual return | -32.53% | 114.12%-146.6pp | 753.18%-785.7pp | 345.46%-378.0pp |
| Employer contribution / active EE | $727 | $1,504-51.7% | $1,084-32.9% | $4,764-84.7% |
| Participant deferral / active EE | $254 | $2,709-90.6% | $1,962-87.1% | $5,851-95.7% |
| Admin fee / account holder | $712 | $4,906-85.5% | $3,335-78.7% | $11,601-93.9% |