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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 | $7,492 | $135,639-94.5% | $110,241-93.2% | $135,382-94.5% |
| Participation rate | 27.3% | 83.5%-56.2pp | 79.8%-52.5pp | 82.6%-55.4pp |
| Annual return | -76.60% | 513.21%-589.8pp | 314.75%-391.3pp | 519.77%-596.4pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,085 | $5,507-62.1% | $4,672-55.4% | $5,609-62.8% |
| Admin fee / account holder | $2,438 | $11,457-78.7% | $8,548-71.5% | $10,829-77.5% |