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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 | $16,616 | $150,447-89.0% | $136,298-87.8% | $147,586-88.7% |
| Participation rate | 56.3% | 84.4%-28.2pp | 81.9%-25.7pp | 82.8%-26.6pp |
| Annual return | 3.68% | 1049.15%-1045.5pp | 5156.27%-5152.6pp | 578.59%-574.9pp |
| Employer contribution / active EE | $1,121 | $5,256-78.7% | $4,696-76.1% | $4,876-77.0% |
| Participant deferral / active EE | $3,555 | $6,631-46.4% | $6,247-43.1% | $5,439-34.6% |
| Admin fee / account holder | $432 | $10,906-96.0% | $9,244-95.3% | $10,886-96.0% |