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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 | $5,181 | $95,415-94.6% | $185,851-97.2% | $85,851-94.0% |
| Participation rate | 11.5% | 68.8%-57.2pp | 81.7%-70.2pp | 69.3%-57.8pp |
| Annual return | -15.13% | 23.59%-38.7pp | 122.11%-137.2pp | 318.63%-333.8pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,116 | $3,424-67.4% | $5,569-80.0% | $3,952-71.8% |
| Admin fee / account holder | $1,486 | $7,215-79.4% | $16,245-90.9% | $6,261-76.3% |