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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 | $8,352 | $121,656-93.1% | $104,614-92.0% | $158,950-94.7% |
| Participation rate | 47.4% | 77.5%-30.2pp | 74.1%-26.7pp | 82.0%-34.6pp |
| Annual return | 1.98% | 465.51%-463.5pp | 340.56%-338.6pp | 302.91%-300.9pp |
| Employer contribution / active EE | $516 | $3,164-83.7% | $2,681-80.8% | $4,762-89.2% |
| Participant deferral / active EE | $902 | $4,177-78.4% | $3,739-75.9% | $5,983-84.9% |
| Admin fee / account holder | $959 | $7,775-87.7% | $6,464-85.2% | $11,248-91.5% |