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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 | $17,121 | $160,070-89.3% | $147,117-88.4% | $145,897-88.3% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.38% | 98.69%-90.3pp | 420.54%-412.2pp | 552.29%-543.9pp |
| Employer contribution / active EE | $1,957 | $5,285-63.0% | $4,932-60.3% | $4,663-58.0% |
| Participant deferral / active EE | $5,225 | $8,419-37.9% | $8,065-35.2% | $6,689-21.9% |
| Admin fee / account holder | $2,445 | $15,035-83.7% | $12,993-81.2% | $13,390-81.7% |