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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 | $28,707 | $137,414-79.1% | $189,520-84.9% | $85,856-66.6% |
| Participation rate | 42.9% | 84.6%-41.8pp | 87.8%-44.9pp | 69.3%-26.5pp |
| Annual return | 9.07% | 38.14%-29.1pp | 555.25%-546.2pp | 318.58%-309.5pp |
| Employer contribution / active EE | $0 | $4,344-100.0% | $6,161-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,127 | $6,260-50.0% | $8,220-62.0% | $3,952-20.9% |
| Admin fee / account holder | $2,210 | $8,630-74.4% | $12,046-81.7% | $6,261-64.7% |