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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 | $11,316 | $65,434-82.7% | $98,483-88.5% | $85,847-86.8% |
| Participation rate | 50.8% | 65.0%-14.2pp | 73.3%-22.5pp | 69.3%-18.5pp |
| Annual return | 11.44% | 21.75%-10.3pp | 1494.38%-1482.9pp | 318.61%-307.2pp |
| Employer contribution / active EE | $562 | $2,169-74.1% | $2,961-81.0% | $2,565-78.1% |
| Participant deferral / active EE | $1,434 | $3,168-54.7% | $4,276-66.5% | $3,952-63.7% |
| Admin fee / account holder | $1,603 | $4,595-65.1% | $5,953-73.1% | $6,261-74.4% |