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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 | $15,981 | $106,524-85.0% | $152,301-89.5% | $87,485-81.7% |
| Participation rate | 52.0% | 75.8%-23.8pp | 82.4%-30.4pp | 68.9%-16.9pp |
| Annual return | 14.01% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.1pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,312 | $6,525-3.3% | $8,004-21.1% | $4,274+47.7% |
| Admin fee / account holder | $6,962 | $8,287-16.0% | $14,398-51.6% | $7,775-10.5% |