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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 | $23,174 | $76,371-69.7% | $93,621-75.2% | $72,975-68.2% |
| Participation rate | 61.4% | 71.8%-10.4pp | 75.8%-14.5pp | 69.5%-8.1pp |
| Annual return | 7.47% | 25.82%-18.3pp | 32.76%-25.3pp | 81.01%-73.5pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,685 | $3,538-52.4% | $4,070-58.6% | $3,608-53.3% |
| Admin fee / account holder | $4,912 | $6,839-28.2% | $7,890-37.7% | $5,124-4.1% |