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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 | $766 | $76,608-99.0% | $56,077-98.6% | $145,877-99.5% |
| Participation rate | 47.4% | 63.2%-15.9pp | 52.5%-5.1pp | 80.3%-32.9pp |
| Annual return | 1.79% | 3009.59%-3007.8pp | 1709.28%-1707.5pp | 551.28%-549.5pp |
| Employer contribution / active EE | $0 | $1,382-100.0% | $1,040-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $485 | $2,624-81.5% | $1,954-75.2% | $6,691-92.8% |
| Admin fee / account holder | $606 | $3,325-81.8% | $2,825-78.6% | $13,402-95.5% |