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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 | $12,549 | $211,946-94.1% | $169,452-92.6% | $135,379-90.7% |
| Participation rate | 29.4% | 82.6%-53.2pp | 77.8%-48.4pp | 82.6%-53.2pp |
| Annual return | -42.38% | 3.26%-45.6pp | 1.83%-44.2pp | 519.79%-562.2pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,686 | $6,075-39.3% | $5,277-30.1% | $5,609-34.3% |
| Admin fee / account holder | $1,806 | $11,472-84.3% | $9,110-80.2% | $10,828-83.3% |