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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 | $10,818 | $45,566-76.3% | $64,105-83.1% | $59,633-81.9% |
| Participation rate | 38.6% | 60.2%-21.5pp | 68.2%-29.5pp | 68.7%-30.0pp |
| Annual return | -13.89% | 4.95%-18.8pp | 791.24%-805.1pp | 2041.40%-2055.3pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,733 | $2,057+32.9% | $2,822-3.1% | $3,192-14.4% |
| Admin fee / account holder | $2,842 | $3,268-13.0% | $4,499-36.8% | $4,297-33.9% |