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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 | $21,711 | $59,467-63.5% | $93,727-76.8% | $74,478-70.8% |
| Participation rate | 46.8% | 59.6%-12.8pp | 68.7%-21.9pp | 67.2%-20.4pp |
| Annual return | 7.96% | 82.14%-74.2pp | 133.83%-125.9pp | 1370.56%-1362.6pp |
| Employer contribution / active EE | $627 | $1,267-50.5% | $2,421-74.1% | $2,626-76.1% |
| Participant deferral / active EE | $1,967 | $3,052-35.5% | $4,417-55.5% | $4,350-54.8% |
| Admin fee / account holder | $3,285 | $3,028+8.5% | $8,292-60.4% | $1,946+68.8% |