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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 | $13,381 | $162,821-91.8% | $133,978-90.0% | $158,982-91.6% |
| Participation rate | 26.7% | 83.2%-56.6pp | 79.8%-53.2pp | 82.0%-55.3pp |
| Annual return | -47.41% | 41.95%-89.4pp | 45.10%-92.5pp | 302.99%-350.4pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,738 | $5,910-36.8% | $5,047-25.9% | $5,983-37.5% |
| Admin fee / account holder | $6,043 | $11,742-48.5% | $8,930-32.3% | $11,252-46.3% |