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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 | $4,585 | $53,063-91.4% | $124,206-96.3% | $82,637-94.5% |
| Participation rate | 33.3% | 58.4%-25.1pp | 69.6%-36.2pp | 68.1%-34.7pp |
| Annual return | 7.98% | 68.87%-60.9pp | 515.27%-507.3pp | 53.51%-45.5pp |
| Employer contribution / active EE | $391 | $1,530-74.4% | $3,540-88.9% | $2,552-84.7% |
| Participant deferral / active EE | $754 | $2,644-71.5% | $3,968-81.0% | $4,126-81.7% |
| Admin fee / account holder | $476 | $4,281-88.9% | $5,929-92.0% | $7,339-93.5% |