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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 | $8,314 | $44,850-81.5% | $60,547-86.3% | $59,633-86.1% |
| Participation rate | 38.1% | 59.5%-21.4pp | 68.0%-29.9pp | 68.7%-30.6pp |
| Annual return | -4.70% | 1074.14%-1078.8pp | 335.64%-340.3pp | 2041.45%-2046.2pp |
| Employer contribution / active EE | $642 | $1,462-56.1% | $2,419-73.5% | $2,203-70.9% |
| Participant deferral / active EE | $1,223 | $2,230-45.1% | $3,328-63.2% | $3,192-61.7% |
| Admin fee / account holder | $862 | $3,635-76.3% | $4,536-81.0% | $4,297-79.9% |