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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 | $13,997 | $131,835-89.4% | $108,582-87.1% | $273,972-94.9% |
| Participation rate | 30.4% | 83.5%-53.0pp | 79.6%-49.1pp | 83.0%-52.6pp |
| Annual return | -16.96% | -91.57%+74.6pp | -51.70%+34.7pp | 41.46%-58.4pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,054 | $5,127-20.9% | $4,311-6.0% | $5,287-23.3% |
| Admin fee / account holder | $3,457 | $10,253-66.3% | $7,645-54.8% | $10,133-65.9% |