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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 | $29,792 | $101,653-70.7% | $147,080-79.7% | $74,459-60.0% |
| Participation rate | 58.0% | 75.6%-17.6pp | 82.2%-24.2pp | 67.2%-9.2pp |
| Annual return | 10.73% | 8754.98%-8744.2pp | 420.17%-409.4pp | 1369.70%-1359.0pp |
| Employer contribution / active EE | $1,333 | $3,813-65.1% | $4,933-73.0% | $2,626-49.3% |
| Participant deferral / active EE | $3,440 | $7,304-52.9% | $8,066-57.3% | $4,350-20.9% |
| Admin fee / account holder | $2,800 | $1,752+59.9% | $12,989-78.4% | $1,945+44.0% |