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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 | $15,213 | $60,349-74.8% | $74,184-79.5% | $62,881-75.8% |
| Participation rate | 65.1% | 72.7%-7.6pp | 76.6%-11.5pp | 69.3%-4.2pp |
| Annual return | 3.92% | 21.38%-17.5pp | 17.74%-13.8pp | 20.14%-16.2pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,658 | $2,856+168.1% | $3,550+115.7% | $3,203+139.1% |
| Admin fee / account holder | $698 | $4,261-83.6% | $5,586-87.5% | $4,296-83.7% |