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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 | $3,936 | $58,241-93.2% | $81,780-95.2% | $80,911-95.1% |
| Participation rate | 56.8% | 63.4%-6.6pp | 72.4%-15.5pp | 67.6%-10.8pp |
| Annual return | 10.37% | 41.73%-31.4pp | 776.27%-765.9pp | 35.63%-25.3pp |
| Employer contribution / active EE | $723 | $2,343-69.2% | $2,914-75.2% | $2,756-73.8% |
| Participant deferral / active EE | $783 | $3,283-76.1% | $4,321-81.9% | $4,297-81.8% |
| Admin fee / account holder | $1,566 | $4,973-68.5% | $7,384-78.8% | $6,935-77.4% |