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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 | $1,310 | $88,702-98.5% | $81,780-98.4% | $145,978-99.1% |
| Participation rate | 58.8% | 75.0%-16.2pp | 72.4%-13.5pp | 80.3%-21.5pp |
| Annual return | -146.37% | 1029.12%-1175.5pp | 776.27%-922.6pp | 550.52%-696.9pp |
| Employer contribution / active EE | $0 | $3,084-100.0% | $2,914-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $995 | $4,645-78.6% | $4,321-77.0% | $6,690-85.1% |
| Admin fee / account holder | $335 | $8,414-96.0% | $7,384-95.5% | $13,400-97.5% |