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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 | $8,434 | $160,040-94.7% | $147,096-94.3% | $145,877-94.2% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 6.58% | 98.49%-91.9pp | 419.75%-413.2pp | 551.28%-544.7pp |
| Employer contribution / active EE | $1,085 | $5,289-79.5% | $4,936-78.0% | $4,663-76.7% |
| Participant deferral / active EE | $3,425 | $8,429-59.4% | $8,071-57.6% | $6,691-48.8% |
| Admin fee / account holder | $3,769 | $15,050-75.0% | $13,005-71.0% | $13,402-71.9% |