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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 | $5,135 | $96,678-94.7% | $86,640-94.1% | $139,466-96.3% |
| Participation rate | 45.5% | 74.4%-29.0pp | 71.7%-26.3pp | 80.3%-34.9pp |
| Annual return | 9.42% | 106.69%-97.3pp | 592.52%-583.1pp | 373.66%-364.2pp |
| Employer contribution / active EE | $524 | $3,265-83.9% | $3,024-82.7% | $4,754-89.0% |
| Participant deferral / active EE | $1,504 | $4,837-68.9% | $4,438-66.1% | $6,712-77.6% |
| Admin fee / account holder | $457 | $6,410-92.9% | $5,616-91.9% | $11,409-96.0% |