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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 | $18,435 | $209,422-91.2% | $178,503-89.7% | $158,982-88.4% |
| Participation rate | 65.2% | 86.4%-21.1pp | 81.9%-16.7pp | 82.0%-16.7pp |
| Annual return | 6.12% | 188.81%-182.7pp | 151.12%-145.0pp | 302.99%-296.9pp |
| Employer contribution / active EE | $1,591 | $5,707-72.1% | $5,011-68.3% | $4,763-66.6% |
| Participant deferral / active EE | $9,861 | $5,955+65.6% | $5,202+89.6% | $5,983+64.8% |
| Admin fee / account holder | $7,412 | $17,079-56.6% | $13,987-47.0% | $11,252-34.1% |