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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 | $6,363 | $150,412-95.8% | $120,574-94.7% | $145,884-95.6% |
| Participation rate | 44.4% | 78.8%-34.3pp | 71.9%-27.5pp | 80.3%-35.9pp |
| Annual return | 7.70% | 154.50%-146.8pp | 107.42%-99.7pp | 551.85%-544.1pp |
| Employer contribution / active EE | $2,057 | $4,355-52.8% | $3,471-40.7% | $4,662-55.9% |
| Participant deferral / active EE | $2,359 | $6,175-61.8% | $4,996-52.8% | $6,690-64.7% |
| Admin fee / account holder | $1,267 | $12,224-89.6% | $9,445-86.6% | $13,392-90.5% |