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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 | $3,656 | $106,551-96.6% | $91,225-96.0% | $134,532-97.3% |
| Participation rate | 23.8% | 76.8%-53.0pp | 73.2%-49.4pp | 81.2%-57.4pp |
| Annual return | -27.92% | 160.78%-188.7pp | 114.12%-142.0pp | 418.27%-446.2pp |
| Employer contribution / active EE | $0 | $3,331-100.0% | $2,851-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $857 | $4,718-81.8% | $4,233-79.8% | $6,401-86.6% |
| Admin fee / account holder | $517 | $6,234-91.7% | $5,422-90.5% | $11,429-95.5% |