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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 | $9,516 | $41,151-76.9% | $80,648-88.2% | $71,529-86.7% |
| Participation rate | 34.4% | 50.2%-15.8pp | 67.0%-32.6pp | 67.9%-33.5pp |
| Annual return | 13.28% | 38.49%-25.2pp | 937.21%-923.9pp | 28.97%-15.7pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $2,724-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $955 | $2,700-64.6% | $4,443-78.5% | $4,291-77.7% |
| Admin fee / account holder | $337 | $1,842-81.7% | $5,382-93.7% | $1,588-78.8% |