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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 | $21,431 | $89,364-76.0% | $141,177-84.8% | $72,983-70.6% |
| Participation rate | 32.6% | 75.1%-42.5pp | 82.5%-49.9pp | 69.5%-36.9pp |
| Annual return | 15.01% | 111.86%-96.9pp | 71.40%-56.4pp | 81.01%-66.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,196 | $5,419-41.0% | $6,710-52.4% | $3,608-11.4% |
| Admin fee / account holder | $11,141 | $5,959+87.0% | $10,263+8.6% | $5,124+117.4% |