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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 | $18,180 | $135,645-86.6% | $110,243-83.5% | $135,380-86.6% |
| Participation rate | 26.7% | 83.5%-56.8pp | 79.8%-53.2pp | 82.6%-56.0pp |
| Annual return | -21.11% | 513.24%-534.3pp | 314.76%-335.9pp | 519.81%-540.9pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,821 | $5,507-66.9% | $4,672-61.0% | $5,609-67.5% |
| Admin fee / account holder | $1,494 | $11,458-87.0% | $8,548-82.5% | $10,828-86.2% |