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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 | $55,470-76.2% | $155,556-91.5% | $74,478-82.3% |
| Participation rate | 37.6% | 61.9%-24.3pp | 78.2%-40.6pp | 67.2%-29.6pp |
| Annual return | 10.31% | 269.80%-259.5pp | 64.84%-54.5pp | 1370.56%-1360.3pp |
| Employer contribution / active EE | $482 | $2,267-78.7% | $4,675-89.7% | $2,626-81.6% |
| Participant deferral / active EE | $1,877 | $2,838-33.9% | $5,631-66.7% | $4,350-56.9% |
| Admin fee / account holder | $808 | $1,744-53.7% | $15,885-94.9% | $1,946-58.5% |