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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 | $26,332 | $101,672-74.1% | $147,117-82.1% | $74,478-64.6% |
| Participation rate | 46.0% | 75.5%-29.5pp | 82.2%-36.1pp | 67.2%-21.2pp |
| Annual return | 10.06% | 8757.83%-8747.8pp | 420.54%-410.5pp | 1370.56%-1360.5pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,932-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,201 | $7,305-56.2% | $8,065-60.3% | $4,350-26.4% |
| Admin fee / account holder | $2,677 | $1,753+52.7% | $12,993-79.4% | $1,946+37.6% |