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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 | $12,282 | $56,197-78.1% | $67,652-81.8% | $59,633-79.4% |
| Participation rate | 20.5% | 71.5%-51.0pp | 75.7%-55.2pp | 68.7%-48.2pp |
| Annual return | -5.34% | 18508.10%-18513.4pp | 6625.40%-6630.7pp | 2041.45%-2046.8pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,559 | $2,844-45.2% | $3,560-56.2% | $3,192-51.2% |
| Admin fee / account holder | $407 | $3,958-89.7% | $4,821-91.5% | $4,297-90.5% |