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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 | $3,996 | $34,316-88.4% | $74,719-94.7% | $72,983-94.5% |
| Participation rate | 69.9% | 42.4%+27.5pp | 54.5%+15.4pp | 69.5%+0.4pp |
| Annual return | 15.94% | 26.58%-10.6pp | 753.05%-737.1pp | 81.01%-65.1pp |
| Employer contribution / active EE | $461 | $692-33.4% | $1,084-57.5% | $2,440-81.1% |
| Participant deferral / active EE | $645 | $1,272-49.3% | $1,963-67.2% | $3,608-82.1% |
| Admin fee / account holder | $361 | $2,125-83.0% | $3,334-89.2% | $5,124-92.9% |