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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 | $18,630 | $106,749-82.5% | $145,433-87.2% | $82,448-77.4% |
| Participation rate | 52.6% | 75.6%-23.0pp | 82.1%-29.5pp | 68.1%-15.4pp |
| Annual return | 7.80% | 27.59%-19.8pp | 66.58%-58.8pp | 41.64%-33.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,918 | $6,519-55.2% | $7,897-63.0% | $4,139-29.5% |
| Admin fee / account holder | $4,915 | $8,390-41.4% | $13,129-62.6% | $7,234-32.1% |