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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 | $12,314 | $176,105-93.0% | $159,474-92.3% | $167,536-92.6% |
| Participation rate | 31.6% | 85.0%-53.4pp | 82.8%-51.3pp | 82.1%-50.5pp |
| Annual return | -34.77% | 331.91%-366.7pp | 263.68%-298.5pp | 478.82%-513.6pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,982 | $7,751-61.5% | $7,353-59.4% | $6,342-53.0% |
| Admin fee / account holder | $2,997 | $12,559-76.1% | $10,802-72.3% | $12,315-75.7% |