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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 | $13,190 | $55,446-76.2% | $155,574-91.5% | $74,429-82.3% |
| Participation rate | 37.6% | 61.9%-24.3pp | 78.2%-40.6pp | 67.2%-29.6pp |
| Annual return | 10.31% | 269.20%-258.9pp | 64.87%-54.6pp | 1368.38%-1358.1pp |
| Employer contribution / active EE | $482 | $2,266-78.7% | $4,676-89.7% | $2,625-81.6% |
| Participant deferral / active EE | $1,877 | $2,836-33.8% | $5,629-66.7% | $4,348-56.8% |
| Admin fee / account holder | $808 | $1,743-53.6% | $15,914-94.9% | $1,944-58.4% |