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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 | $5,631 | $58,275-90.3% | $81,844-93.1% | $80,935-93.0% |
| Participation rate | 22.7% | 63.5%-40.7pp | 72.4%-49.7pp | 67.7%-44.9pp |
| Annual return | 6.93% | 41.82%-34.9pp | 778.87%-771.9pp | 35.66%-28.7pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $774 | $3,285-76.4% | $4,323-82.1% | $4,299-82.0% |
| Admin fee / account holder | $2,893 | $4,749-39.1% | $7,355-60.7% | $6,924-58.2% |