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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 | $29,974 | $79,181-62.1% | $102,423-70.7% | $74,429-59.7% |
| Participation rate | 64.4% | 74.8%-10.4pp | 76.5%-12.1pp | 67.2%-2.8pp |
| Annual return | 8.72% | 54.97%-46.2pp | 29.42%-20.7pp | 1368.38%-1359.7pp |
| Employer contribution / active EE | $988 | $2,362-58.1% | $3,023-67.3% | $2,625-62.3% |
| Participant deferral / active EE | $2,826 | $4,416-36.0% | $5,054-44.1% | $4,348-35.0% |
| Admin fee / account holder | $3,137 | $2,002+56.7% | $9,455-66.8% | $1,944+61.3% |