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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 | $11,248 | $48,274-76.7% | $63,517-82.3% | $59,632-81.1% |
| Participation rate | 48.6% | 66.3%-17.7pp | 71.0%-22.5pp | 68.7%-20.1pp |
| Annual return | -4.99% | -240.79%+235.8pp | -70.30%+65.3pp | 2041.32%-2046.3pp |
| Employer contribution / active EE | $650 | $1,586-59.0% | $2,322-72.0% | $2,203-70.5% |
| Participant deferral / active EE | $1,208 | $2,343-48.4% | $2,953-59.1% | $3,192-62.1% |
| Admin fee / account holder | $5,450 | $3,600+51.4% | $5,892-7.5% | $4,297+26.8% |