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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 | $6,443 | $45,126-85.7% | $85,187-92.4% | $74,459-91.3% |
| Participation rate | 9.0% | 49.4%-40.4pp | 67.5%-58.5pp | 67.2%-58.2pp |
| Annual return | -4.74% | 26.30%-31.0pp | 66.67%-71.4pp | 1369.70%-1374.4pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $814 | $2,738-70.3% | $4,525-82.0% | $4,350-81.3% |
| Admin fee / account holder | $1,353 | $2,212-38.8% | $6,162-78.0% | $1,945-30.4% |