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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 | $732 | $67,823-98.9% | $52,425-98.6% | $137,256-99.5% |
| Participation rate | 63.2% | 63.9%-0.7pp | 55.6%+7.5pp | 80.0%-16.8pp |
| Annual return | -37.59% | 219.11%-256.7pp | 302.12%-339.7pp | 220.34%-257.9pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $914-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $376 | $2,288-83.6% | $1,790-79.0% | $6,407-94.1% |
| Admin fee / account holder | $422 | $2,844-85.1% | $2,495-83.1% | $12,270-96.6% |