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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 | $30,947 | $101,653-69.6% | $147,080-79.0% | $74,459-58.4% |
| Participation rate | 39.1% | 75.6%-36.5pp | 82.2%-43.1pp | 67.2%-28.1pp |
| Annual return | 12.33% | 8754.98%-8742.7pp | 420.17%-407.8pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $1,808 | $3,813-52.6% | $4,933-63.4% | $2,626-31.2% |
| Participant deferral / active EE | $4,136 | $7,304-43.4% | $8,066-48.7% | $4,350-4.9% |
| Admin fee / account holder | $5,839 | $1,752+233.4% | $12,989-55.0% | $1,945+200.3% |