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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 | $19,365 | $76,551-74.7% | $123,894-84.4% | $62,881-69.2% |
| Participation rate | 30.0% | 73.0%-43.0pp | 81.4%-51.4pp | 69.3%-39.3pp |
| Annual return | 2.69% | 18.68%-16.0pp | 47.52%-44.8pp | 20.14%-17.5pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,369 | $4,840-51.1% | $5,984-60.4% | $3,203-26.0% |
| Admin fee / account holder | $3,959 | $4,826-18.0% | $8,357-52.6% | $4,296-7.8% |