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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 | $8,845 | $84,708-89.6% | $75,714-88.3% | $167,536-94.7% |
| Participation rate | 63.6% | 77.8%-14.2pp | 74.8%-11.2pp | 82.1%-18.5pp |
| Annual return | 8.39% | 199.62%-191.2pp | 104.62%-96.2pp | 478.82%-470.4pp |
| Employer contribution / active EE | $1,405 | $3,231-56.5% | $2,744-48.8% | $4,839-71.0% |
| Participant deferral / active EE | $2,125 | $4,577-53.6% | $3,820-44.4% | $6,342-66.5% |
| Admin fee / account holder | $2,527 | $5,358-52.8% | $3,619-30.2% | $12,315-79.5% |