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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 | $2,921 | $30,421-90.4% | $56,077-94.8% | $74,429-96.1% |
| Participation rate | 46.0% | 32.9%+13.1pp | 52.5%-6.5pp | 67.2%-21.2pp |
| Annual return | 10.34% | 24.94%-14.6pp | 1709.28%-1698.9pp | 1368.38%-1358.0pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,040-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $811 | $1,175-31.0% | $1,954-58.5% | $4,348-81.4% |
| Admin fee / account holder | $500 | $2,363-78.9% | $2,825-82.3% | $1,944-74.3% |