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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 | $14,570 | $59,116-75.4% | $86,438-83.1% | $68,486-78.7% |
| Participation rate | 62.9% | 75.2%-12.4pp | 80.3%-17.5pp | 67.9%-5.0pp |
| Annual return | -40.63% | -0.23%-40.4pp | 4397.19%-4437.8pp | -7.85%-32.8pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,769-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,231 | $5,902+22.5% | $6,952+4.0% | $4,028+79.5% |
| Admin fee / account holder | $1,519 | $5,639-73.1% | $6,733-77.4% | $5,404-71.9% |