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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 | $29,733-95.0% | $56,025-97.3% | $80,959-98.2% |
| Participation rate | 51.2% | 41.7%+9.4pp | 52.5%-1.3pp | 67.7%-16.5pp |
| Annual return | -11.32% | 35.28%-46.6pp | 1712.69%-1724.0pp | 35.67%-47.0pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $638 | $1,229-48.1% | $1,955-67.3% | $4,300-85.2% |
| Admin fee / account holder | $629 | $2,434-74.1% | $2,828-77.7% | $6,925-90.9% |