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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 | $15,514 | $138,072-88.8% | $123,549-87.4% | $135,382-88.5% |
| Participation rate | 29.4% | 84.7%-55.3pp | 82.3%-52.9pp | 82.6%-53.2pp |
| Annual return | -10.26% | 153.69%-164.0pp | 119.20%-129.5pp | 519.77%-530.0pp |
| Employer contribution / active EE | $0 | $5,152-100.0% | $4,628-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,299 | $6,799-66.2% | $6,426-64.2% | $5,609-59.0% |
| Admin fee / account holder | $2,029 | $10,917-81.4% | $9,284-78.1% | $10,829-81.3% |