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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 | $24,684 | $197,637-87.5% | $177,848-86.1% | $158,982-84.5% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.7%-37.7pp | 82.0%-32.0pp |
| Annual return | 0.24% | 58.77%-58.5pp | 48.33%-48.1pp | 302.99%-302.8pp |
| Employer contribution / active EE | $6,156 | $6,698-8.1% | $5,919+4.0% | $4,763+29.2% |
| Participant deferral / active EE | $15,275 | $8,405+81.7% | $7,714+98.0% | $5,983+155.3% |
| Admin fee / account holder | $33,768 | $15,406+119.2% | $12,431+171.6% | $11,252+200.1% |