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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 | $13,087 | $82,674-84.2% | $125,363-89.6% | $68,495-80.9% |
| Participation rate | 32.3% | 75.0%-42.8pp | 82.4%-50.1pp | 67.9%-35.6pp |
| Annual return | -32.24% | -5.97%-26.3pp | 572.15%-604.4pp | -7.84%-24.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,466 | $6,111-43.3% | $7,447-53.5% | $4,028-13.9% |
| Admin fee / account holder | $2,030 | $6,276-67.7% | $10,005-79.7% | $5,403-62.4% |