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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 | $11,748 | $199,109-94.1% | $173,730-93.2% | $154,746-92.4% |
| Participation rate | 35.3% | 82.8%-47.5pp | 79.6%-44.3pp | 80.7%-45.4pp |
| Annual return | -31.71% | 20.02%-51.7pp | 19.96%-51.7pp | 172.34%-204.0pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,269 | $7,113-40.0% | $6,326-32.5% | $6,730-36.6% |
| Admin fee / account holder | $2,665 | $20,916-87.3% | $17,523-84.8% | $14,365-81.5% |