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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 | $19,202 | $176,077-89.1% | $159,455-88.0% | $167,518-88.5% |
| Participation rate | 66.7% | 84.9%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 4.96% | 331.83%-326.9pp | 263.63%-258.7pp | 478.71%-473.7pp |
| Employer contribution / active EE | $974 | $5,298-81.6% | $4,830-79.8% | $4,838-79.9% |
| Participant deferral / active EE | $4,257 | $7,751-45.1% | $7,353-42.1% | $6,342-32.9% |
| Admin fee / account holder | $1,661 | $12,556-86.8% | $10,800-84.6% | $12,312-86.5% |