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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 | $4,123 | $58,311-92.9% | $81,882-95.0% | $80,959-94.9% |
| Participation rate | 58.8% | 63.5%-4.7pp | 72.4%-13.6pp | 67.7%-8.8pp |
| Annual return | 8.77% | 41.85%-33.1pp | 779.47%-770.7pp | 35.67%-26.9pp |
| Employer contribution / active EE | $415 | $2,347-82.3% | $2,916-85.8% | $2,757-84.9% |
| Participant deferral / active EE | $1,022 | $3,287-68.9% | $4,323-76.4% | $4,300-76.2% |
| Admin fee / account holder | $1,837 | $4,752-61.3% | $7,360-75.0% | $6,925-73.5% |