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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 | $7,320 | $160,059-95.4% | $140,019-94.8% | $135,382-94.6% |
| Participation rate | 38.9% | 88.5%-49.6pp | 87.5%-48.6pp | 82.6%-43.8pp |
| Annual return | -13.22% | 911.44%-924.7pp | 651.15%-664.4pp | 519.77%-533.0pp |
| Employer contribution / active EE | $0 | $6,420-100.0% | $5,605-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,705 | $7,641-64.6% | $6,927-60.9% | $5,609-51.8% |
| Admin fee / account holder | $2,180 | $13,328-83.6% | $10,705-79.6% | $10,829-79.9% |