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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 | $10,564 | $52,450-79.9% | $129,397-91.8% | $74,429-85.8% |
| Participation rate | 40.3% | 53.8%-13.6pp | 69.6%-29.4pp | 67.2%-27.0pp |
| Annual return | 8.58% | 15.65%-7.1pp | 9453.98%-9445.4pp | 1368.38%-1359.8pp |
| Employer contribution / active EE | $756 | $1,532-50.6% | $4,154-81.8% | $2,625-71.2% |
| Participant deferral / active EE | $957 | $2,797-65.8% | $4,167-77.0% | $4,348-78.0% |
| Admin fee / account holder | $2,312 | $2,636-12.3% | $7,679-69.9% | $1,944+18.9% |