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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 | $14,844 | $63,346-76.6% | $92,240-83.9% | $70,126-78.8% |
| Participation rate | 68.6% | 68.7%0pp | 76.5%-7.9pp | 69.5%-0.9pp |
| Annual return | 10.13% | 530.19%-520.1pp | 176.29%-166.2pp | 73.15%-63.0pp |
| Employer contribution / active EE | $870 | $2,471-64.8% | $3,680-76.3% | $2,343-62.8% |
| Participant deferral / active EE | $1,614 | $2,854-43.4% | $3,897-58.6% | $3,332-51.5% |
| Admin fee / account holder | $4,341 | $3,841+13.0% | $5,194-16.4% | $4,645-6.6% |