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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 | $18,045 | $101,752-82.3% | $164,928-89.1% | $80,911-77.7% |
| Participation rate | 52.1% | 71.8%-19.8pp | 78.6%-26.5pp | 67.6%-15.6pp |
| Annual return | 1.63% | 16.73%-15.1pp | 70.08%-68.4pp | 35.63%-34.0pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,362 | $4,477-24.9% | $6,034-44.3% | $4,297-21.8% |
| Admin fee / account holder | $2,705 | $8,218-67.1% | $12,684-78.7% | $6,935-61.0% |