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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 | $2,345 | $90,530-97.4% | $76,030-96.9% | $145,897-98.4% |
| Participation rate | 58.3% | 74.4%-16.1pp | 69.1%-10.7pp | 80.3%-22.0pp |
| Annual return | 8.24% | 625.08%-616.8pp | 361.54%-353.3pp | 552.29%-544.1pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $2,688-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,494 | $5,164-71.1% | $4,257-64.9% | $6,689-77.7% |
| Admin fee / account holder | $1,125 | $8,383-86.6% | $6,421-82.5% | $13,390-91.6% |