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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 | $58,275-93.2% | $81,844-95.2% | $80,935-95.1% |
| Participation rate | 56.8% | 63.5%-6.6pp | 72.4%-15.6pp | 67.7%-10.8pp |
| Annual return | 10.37% | 41.82%-31.4pp | 778.87%-768.5pp | 35.66%-25.3pp |
| Employer contribution / active EE | $723 | $2,346-69.2% | $2,916-75.2% | $2,757-73.8% |
| Participant deferral / active EE | $783 | $3,285-76.2% | $4,323-81.9% | $4,299-81.8% |
| Admin fee / account holder | $1,566 | $4,749-67.0% | $7,355-78.7% | $6,924-77.4% |