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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 | $101,499-70.6% | $147,005-79.7% | $74,546-60.0% |
| Participation rate | 58.0% | 75.5%-17.5pp | 82.2%-24.2pp | 67.2%-9.2pp |
| Annual return | 10.73% | 8732.34%-8721.6pp | 418.76%-408.0pp | 1366.03%-1355.3pp |
| Employer contribution / active EE | $1,333 | $3,811-65.0% | $4,934-73.0% | $2,624-49.2% |
| Participant deferral / active EE | $3,440 | $7,304-52.9% | $8,070-57.4% | $4,347-20.9% |
| Admin fee / account holder | $2,800 | $1,748+60.2% | $13,006-78.5% | $1,944+44.1% |