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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 | $1,630 | $48,337-96.6% | $67,560-97.6% | $80,959-98.0% |
| Participation rate | 65.6% | 66.4%-0.8pp | 72.9%-7.3pp | 67.7%-2.0pp |
| Annual return | -0.83% | 18.26%-19.1pp | 3533.50%-3534.3pp | 35.67%-36.5pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,737-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $990 | $2,928-66.2% | $4,004-75.3% | $4,300-77.0% |
| Admin fee / account holder | $652 | $3,695-82.4% | $3,994-83.7% | $6,925-90.6% |