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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 | $17,065 | $226,105-92.5% | $182,540-90.7% | $152,897-88.8% |
| Participation rate | 37.5% | 82.5%-45.0pp | 78.0%-40.5pp | 82.5%-45.0pp |
| Annual return | 7.42% | 192.58%-185.2pp | 148.58%-141.2pp | 345.43%-338.0pp |
| Employer contribution / active EE | $784 | $4,978-84.3% | $4,076-80.8% | $4,764-83.5% |
| Participant deferral / active EE | $1,218 | $6,370-80.9% | $5,525-78.0% | $5,851-79.2% |
| Admin fee / account holder | $727 | $10,706-93.2% | $8,593-91.5% | $11,599-93.7% |