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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 | $4,569 | $58,311-92.2% | $81,882-94.4% | $80,959-94.4% |
| Participation rate | 67.2% | 63.5%+3.7pp | 72.4%-5.2pp | 67.7%-0.5pp |
| Annual return | 9.84% | 41.85%-32.0pp | 779.47%-769.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $328 | $2,347-86.0% | $2,916-88.7% | $2,757-88.1% |
| Participant deferral / active EE | $755 | $3,287-77.0% | $4,323-82.5% | $4,300-82.5% |
| Admin fee / account holder | $380 | $4,752-92.0% | $7,360-94.8% | $6,925-94.5% |