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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 | $1,751 | $52,353-96.7% | $120,225-98.5% | $82,448-97.9% |
| Participation rate | 63.6% | 58.3%+5.3pp | 69.6%-5.9pp | 68.1%-4.4pp |
| Annual return | 8.86% | 61.85%-53.0pp | 439.23%-430.4pp | 41.64%-32.8pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $677 | $2,627-74.2% | $3,999-83.1% | $4,139-83.6% |
| Admin fee / account holder | $507 | $4,363-88.4% | $5,696-91.1% | $7,234-93.0% |