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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 | $10,398 | $82,674-87.4% | $125,381-91.7% | $68,486-84.8% |
| Participation rate | 44.4% | 75.1%-30.6pp | 82.4%-37.9pp | 67.9%-23.4pp |
| Annual return | -19.92% | -5.97%-14.0pp | 572.31%-592.2pp | -7.85%-12.1pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,549 | $6,111-58.3% | $7,448-65.8% | $4,028-36.7% |
| Admin fee / account holder | $977 | $6,277-84.4% | $10,007-90.2% | $5,404-81.9% |