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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 | $14,128 | $202,342-93.0% | $172,752-91.8% | $152,897-90.8% |
| Participation rate | 31.6% | 87.1%-55.5pp | 82.6%-51.1pp | 82.5%-50.9pp |
| Annual return | -47.37% | 1029.83%-1077.2pp | 802.97%-850.3pp | 345.43%-392.8pp |
| Employer contribution / active EE | $1,605 | $5,858-72.6% | $5,144-68.8% | $4,764-66.3% |
| Participant deferral / active EE | $3,602 | $5,948-39.4% | $5,198-30.7% | $5,851-38.4% |
| Admin fee / account holder | $3,190 | $17,111-81.4% | $13,955-77.1% | $11,599-72.5% |