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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 | $13,123 | $54,541-75.9% | $78,778-83.3% | $70,126-81.3% |
| Participation rate | 45.7% | 60.8%-15.1pp | 69.2%-23.5pp | 69.5%-23.8pp |
| Annual return | 10.31% | 21.07%-10.8pp | 35.62%-25.3pp | 73.15%-62.8pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,656 | $2,210-25.1% | $2,958-44.0% | $3,332-50.3% |
| Admin fee / account holder | $1,038 | $3,709-72.0% | $5,134-79.8% | $4,645-77.7% |