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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 | $14,041 | $82,678-83.0% | $125,391-88.8% | $68,490-79.5% |
| Participation rate | 43.8% | 75.1%-31.3pp | 82.4%-38.6pp | 67.9%-24.1pp |
| Annual return | -23.53% | -5.97%-17.6pp | 572.41%-595.9pp | -7.85%-15.7pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,215 | $6,111-14.7% | $7,448-30.0% | $4,028+29.5% |
| Admin fee / account holder | $1,334 | $6,277-78.7% | $10,009-86.7% | $5,403-75.3% |