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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 | $7,754 | $49,199-84.2% | $121,204-93.6% | $75,173-89.7% |
| Participation rate | 13.3% | 55.4%-42.1pp | 69.5%-56.2pp | 67.2%-53.9pp |
| Annual return | -17.36% | 56.04%-73.4pp | 987.18%-1004.5pp | 160.72%-178.1pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,170-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $893 | $2,630-66.0% | $4,083-78.1% | $4,126-78.4% |
| Admin fee / account holder | $1,359 | $3,946-65.6% | $5,651-75.9% | $5,651-75.9% |