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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 | $4,111 | $39,798-89.7% | $67,704-93.9% | $59,633-93.1% |
| Participation rate | 22.6% | 57.4%-34.8pp | 67.5%-44.9pp | 68.7%-46.1pp |
| Annual return | -3.27% | 89.94%-93.2pp | 25.41%-28.7pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $247 | $1,393-82.3% | $2,559-90.4% | $2,203-88.8% |
| Participant deferral / active EE | $726 | $2,335-68.9% | $3,585-79.7% | $3,192-77.2% |
| Admin fee / account holder | $567 | $3,212-82.4% | $4,255-86.7% | $4,297-86.8% |