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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 | $12,235 | $51,184-76.1% | $66,439-81.6% | $86,983-85.9% |
| Participation rate | 53.3% | 68.5%-15.2pp | 74.5%-21.2pp | 69.5%-16.2pp |
| Annual return | 9.81% | 17.07%-7.3pp | 757.66%-747.9pp | 25.83%-16.0pp |
| Employer contribution / active EE | $751 | $2,023-62.9% | $2,637-71.5% | $2,584-70.9% |
| Participant deferral / active EE | $1,559 | $2,927-46.7% | $3,876-59.8% | $4,194-62.8% |
| Admin fee / account holder | $991 | $4,154-76.1% | $6,173-83.9% | $7,856-87.4% |