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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 | $10,854 | $55,470-80.4% | $155,556-93.0% | $74,478-85.4% |
| Participation rate | 16.4% | 61.9%-45.5pp | 78.2%-61.9pp | 67.2%-50.9pp |
| Annual return | 10.76% | 269.80%-259.0pp | 64.84%-54.1pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $809 | $2,838-71.5% | $5,631-85.6% | $4,350-81.4% |
| Admin fee / account holder | $1,064 | $1,744-39.0% | $15,885-93.3% | $1,946-45.3% |