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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 | $20,249 | $102,385-80.2% | $147,080-86.2% | $80,935-75.0% |
| Participation rate | 62.8% | 75.9%-13.0pp | 82.2%-19.4pp | 67.7%-4.8pp |
| Annual return | 8.80% | 135.09%-126.3pp | 420.17%-411.4pp | 35.66%-26.9pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,278 | $6,651-5.6% | $8,066-22.2% | $4,299+46.0% |
| Admin fee / account holder | $1,691 | $7,951-78.7% | $12,989-87.0% | $6,924-75.6% |