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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 | $24,727 | $160,059-84.6% | $140,019-82.3% | $135,379-81.7% |
| Participation rate | 43.5% | 88.5%-45.0pp | 87.5%-44.0pp | 82.6%-39.2pp |
| Annual return | -10.39% | 911.44%-921.8pp | 651.15%-661.5pp | 519.79%-530.2pp |
| Employer contribution / active EE | $0 | $6,420-100.0% | $5,605-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,952 | $7,641-48.3% | $6,927-42.9% | $5,609-29.5% |
| Admin fee / account holder | $1,619 | $13,328-87.9% | $10,705-84.9% | $10,828-85.0% |