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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 | $33,206 | $171,867-80.7% | $149,721-77.8% | $147,586-77.5% |
| Participation rate | 55.0% | 88.2%-33.2pp | 87.1%-32.1pp | 82.8%-27.8pp |
| Annual return | 3.05% | 2113.36%-2110.3pp | 1501.67%-1498.6pp | 578.59%-575.5pp |
| Employer contribution / active EE | $0 | $6,275-100.0% | $5,444-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,056 | $7,270-44.2% | $6,568-38.2% | $5,439-25.4% |
| Admin fee / account holder | $12,135 | $13,799-12.1% | $11,282+7.6% | $10,886+11.5% |