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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 | $2,343 | $58,311-96.0% | $81,882-97.1% | $80,959-97.1% |
| Participation rate | 52.5% | 63.5%-11.0pp | 72.4%-19.9pp | 67.7%-15.2pp |
| Annual return | 9.95% | 41.85%-31.9pp | 779.47%-769.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $0 | $2,347-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $906 | $3,287-72.4% | $4,323-79.0% | $4,300-78.9% |
| Admin fee / account holder | $506 | $4,752-89.4% | $7,360-93.1% | $6,925-92.7% |