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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 | $10,707 | $82,133-87.0% | $147,318-92.7% | $64,097-83.3% |
| Participation rate | 55.1% | 62.3%-7.1pp | 82.1%-26.9pp | 55.2%-0.1pp |
| Annual return | 11.98% | 78.78%-66.8pp | 70.43%-58.5pp | 34.64%-22.7pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,172 | $5,407-59.8% | $7,906-72.5% | $3,080-29.5% |
| Admin fee / account holder | $2,481 | $3,730-33.5% | $13,708-81.9% | $3,454-28.2% |