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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 | $1,315 | $58,241-97.7% | $81,780-98.4% | $80,911-98.4% |
| Participation rate | 58.1% | 63.4%-5.4pp | 72.4%-14.3pp | 67.6%-9.6pp |
| Annual return | -15.44% | 41.73%-57.2pp | 776.27%-791.7pp | 35.63%-51.1pp |
| Employer contribution / active EE | $0 | $2,343-100.0% | $2,914-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $727 | $3,283-77.8% | $4,321-83.2% | $4,297-83.1% |
| Admin fee / account holder | $497 | $4,973-90.0% | $7,384-93.3% | $6,935-92.8% |