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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 | $13,704 | $60,504-77.3% | $81,882-83.3% | $74,478-81.6% |
| Participation rate | 23.5% | 62.9%-39.4pp | 72.4%-48.9pp | 67.2%-43.7pp |
| Annual return | 11.34% | 16.91%-5.6pp | 779.47%-768.1pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $436 | $2,627-83.4% | $2,916-85.1% | $2,626-83.4% |
| Participant deferral / active EE | $1,045 | $3,400-69.3% | $4,323-75.8% | $4,350-76.0% |
| Admin fee / account holder | $2,348 | $1,492+57.4% | $7,360-68.1% | $1,946+20.7% |