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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 | $7,813 | $83,369-90.6% | $105,223-92.6% | $67,986-88.5% |
| Participation rate | 69.0% | 56.3%+12.7pp | 75.0%-6.0pp | 57.2%+11.8pp |
| Annual return | 12.96% | 24.64%-11.7pp | 180.65%-167.7pp | 31.67%-18.7pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,589 | $3,295-51.8% | $5,072-68.7% | $3,358-52.7% |
| Admin fee / account holder | $1,896 | $4,073-53.4% | $8,859-78.6% | $3,203-40.8% |