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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 | $1,749 | $27,936-93.7% | $58,561-97.0% | $75,173-97.7% |
| Participation rate | 27.6% | 38.8%-11.3pp | 50.9%-23.3pp | 67.2%-39.6pp |
| Annual return | -21.08% | 44.21%-65.3pp | 4251.33%-4272.4pp | 160.72%-181.8pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $385 | $1,202-68.0% | $1,923-80.0% | $4,126-90.7% |
| Admin fee / account holder | $343 | $1,727-80.1% | $2,520-86.4% | $5,651-93.9% |