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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 | $11,013 | $65,555-83.2% | $86,216-87.2% | $75,173-85.4% |
| Participation rate | 64.3% | 60.5%+3.8pp | 69.0%-4.7pp | 67.2%-2.9pp |
| Annual return | 2.72% | 46.07%-43.4pp | 1169.42%-1166.7pp | 160.72%-158.0pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,152 | $3,023-28.8% | $3,986-46.0% | $4,126-47.8% |
| Admin fee / account holder | $1,756 | $5,469-67.9% | $6,853-74.4% | $5,651-68.9% |