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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 | $5,312 | $54,355-90.2% | $82,744-93.6% | $68,486-92.2% |
| Participation rate | 41.5% | 63.9%-22.5pp | 72.6%-31.1pp | 67.9%-26.4pp |
| Annual return | -21.83% | -13.67%-8.2pp | 702.22%-724.0pp | -7.85%-14.0pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,232 | $3,246-62.1% | $4,395-72.0% | $4,028-69.4% |
| Admin fee / account holder | $396 | $4,397-91.0% | $5,325-92.6% | $5,404-92.7% |