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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 | $14,785 | $148,629-90.1% | $135,982-89.1% | $139,487-89.4% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 5.38% | 79.33%-73.9pp | 68.32%-62.9pp | 373.84%-368.5pp |
| Employer contribution / active EE | $1,180 | $5,247-77.5% | $4,859-75.7% | $4,755-75.2% |
| Participant deferral / active EE | $2,945 | $8,102-63.7% | $7,760-62.1% | $6,713-56.1% |
| Admin fee / account holder | $869 | $12,406-93.0% | $10,767-91.9% | $11,407-92.4% |