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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 | $8,607 | $39,798-78.4% | $67,704-87.3% | $59,633-85.6% |
| Participation rate | 50.0% | 57.4%-7.4pp | 67.5%-17.5pp | 68.7%-18.7pp |
| Annual return | -3.85% | 89.94%-93.8pp | 25.41%-29.3pp | 2041.45%-2045.3pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,762 | $2,335-24.5% | $3,585-50.9% | $3,192-44.8% |
| Admin fee / account holder | $706 | $3,212-78.0% | $4,255-83.4% | $4,297-83.6% |