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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 | $58,234-92.9% | $81,783-95.0% | $80,874-94.9% |
| Participation rate | 58.8% | 63.4%-4.6pp | 72.4%-13.5pp | 67.6%-8.8pp |
| Annual return | 8.77% | 41.70%-32.9pp | 775.05%-766.3pp | 35.62%-26.8pp |
| Employer contribution / active EE | $415 | $2,341-82.3% | $2,913-85.7% | $2,756-84.9% |
| Participant deferral / active EE | $1,022 | $3,283-68.9% | $4,320-76.3% | $4,297-76.2% |
| Admin fee / account holder | $1,837 | $4,982-63.1% | $7,380-75.1% | $6,935-73.5% |