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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 | $6,682 | $70,684-90.5% | $169,390-96.1% | $75,173-91.1% |
| Participation rate | 57.1% | 64.8%-7.7pp | 77.2%-20.0pp | 67.2%-10.1pp |
| Annual return | 13.81% | 36.38%-22.6pp | 406.07%-392.3pp | 160.72%-146.9pp |
| Employer contribution / active EE | $0 | $2,211-100.0% | $4,013-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,440 | $4,310-66.6% | $6,222-76.9% | $4,126-65.1% |
| Admin fee / account holder | $1,475 | $5,404-72.7% | $9,015-83.6% | $5,651-73.9% |