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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 | $1,497 | $29,716-95.0% | $56,077-97.3% | $80,925-98.2% |
| Participation rate | 51.2% | 41.7%+9.5pp | 52.5%-1.3pp | 67.7%-16.5pp |
| Annual return | -11.32% | 35.30%-46.6pp | 1709.28%-1720.6pp | 35.65%-47.0pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,040-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $638 | $1,228-48.0% | $1,954-67.3% | $4,299-85.2% |
| Admin fee / account holder | $629 | $2,432-74.1% | $2,825-77.7% | $6,940-90.9% |