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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 | $11,653 | $76,551-84.8% | $123,894-90.6% | $62,881-81.5% |
| Participation rate | 27.6% | 73.0%-45.4pp | 81.4%-53.8pp | 69.3%-41.7pp |
| Annual return | 3.48% | 18.68%-15.2pp | 47.52%-44.0pp | 20.14%-16.7pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,512 | $4,840-48.1% | $5,984-58.0% | $3,203-21.6% |
| Admin fee / account holder | $3,342 | $4,826-30.8% | $8,357-60.0% | $4,296-22.2% |