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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 | $22,267 | $150,447-85.2% | $136,298-83.7% | $147,586-84.9% |
| Participation rate | 52.9% | 84.4%-31.5pp | 81.9%-29.0pp | 82.8%-29.9pp |
| Annual return | 5.17% | 1049.15%-1044.0pp | 5156.27%-5151.1pp | 578.59%-573.4pp |
| Employer contribution / active EE | $1,948 | $5,256-62.9% | $4,696-58.5% | $4,876-60.1% |
| Participant deferral / active EE | $4,292 | $6,631-35.3% | $6,247-31.3% | $5,439-21.1% |
| Admin fee / account holder | $2,999 | $10,906-72.5% | $9,244-67.6% | $10,886-72.5% |