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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 | $11,256 | $84,493-86.7% | $125,381-91.0% | $66,938-83.2% |
| Participation rate | 39.2% | 76.4%-37.2pp | 82.4%-43.2pp | 69.8%-30.6pp |
| Annual return | -27.19% | -8.49%-18.7pp | 572.31%-599.5pp | 1.58%-28.8pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,994 | $6,783-26.4% | $7,448-32.9% | $4,238+17.8% |
| Admin fee / account holder | $852 | $685+24.4% | $10,007-91.5% | $594+43.5% |