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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 | $13,520 | $160,070-91.6% | $147,117-90.8% | $145,897-90.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.44% | 98.69%-90.3pp | 420.54%-412.1pp | 552.29%-543.9pp |
| Employer contribution / active EE | $1,251 | $5,285-76.3% | $4,932-74.6% | $4,663-73.2% |
| Participant deferral / active EE | $7,087 | $8,419-15.8% | $8,065-12.1% | $6,689+5.9% |
| Admin fee / account holder | $1,274 | $15,035-91.5% | $12,993-90.2% | $13,390-90.5% |