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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 | $55,472-80.4% | $155,567-93.0% | $74,546-85.4% |
| Participation rate | 16.4% | 61.9%-45.6pp | 78.2%-61.8pp | 67.2%-50.9pp |
| Annual return | 10.76% | 268.72%-258.0pp | 64.74%-54.0pp | 1366.03%-1355.3pp |
| Employer contribution / active EE | $0 | $2,269-100.0% | $4,674-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $809 | $2,838-71.5% | $5,628-85.6% | $4,347-81.4% |
| Admin fee / account holder | $1,064 | $1,743-38.9% | $15,916-93.3% | $1,944-45.2% |