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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 | $5,162 | $165,381-96.9% | $149,730-96.6% | $158,966-96.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 7.62% | 348.29%-340.7pp | 276.70%-269.1pp | 302.95%-295.3pp |
| Employer contribution / active EE | $1,675 | $5,104-67.2% | $4,645-63.9% | $4,762-64.8% |
| Participant deferral / active EE | $2,554 | $7,182-64.4% | $6,843-62.7% | $5,983-57.3% |
| Admin fee / account holder | $9,649 | $10,809-10.7% | $9,310+3.6% | $11,250-14.2% |