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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 | $870 | $29,319-97.0% | $52,425-98.3% | $82,448-98.9% |
| Participation rate | 59.5% | 46.9%+12.6pp | 55.6%+3.8pp | 68.1%-8.6pp |
| Annual return | -27.79% | 535.20%-563.0pp | 302.12%-329.9pp | 41.64%-69.4pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $704 | $1,171-39.9% | $1,790-60.7% | $4,139-83.0% |
| Admin fee / account holder | $862 | $1,962-56.1% | $2,495-65.5% | $7,234-88.1% |