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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 | $8,684 | $65,440-86.7% | $98,506-91.2% | $85,851-89.9% |
| Participation rate | 24.1% | 65.0%-40.9pp | 73.3%-49.2pp | 69.3%-45.2pp |
| Annual return | -9.44% | 21.75%-31.2pp | 1494.92%-1504.4pp | 318.63%-328.1pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $2,961-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,259 | $3,168-60.3% | $4,277-70.6% | $3,952-68.1% |
| Admin fee / account holder | $1,343 | $4,596-70.8% | $5,955-77.4% | $6,261-78.5% |