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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 | $13,717 | $78,015-82.4% | $178,505-92.3% | $80,959-83.1% |
| Participation rate | 55.6% | 65.7%-10.1pp | 77.1%-21.6pp | 67.7%-12.1pp |
| Annual return | 7.05% | 18.10%-11.0pp | 27.16%-20.1pp | 35.67%-28.6pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,026 | $4,406-31.3% | $6,280-51.8% | $4,300-29.6% |
| Admin fee / account holder | $447 | $7,160-93.8% | $10,428-95.7% | $6,925-93.6% |