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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 | $10,049 | $91,198-89.0% | $178,503-94.4% | $79,856-87.4% |
| Participation rate | 41.1% | 69.2%-28.2pp | 81.9%-40.9pp | 69.6%-28.6pp |
| Annual return | 6.43% | 24.20%-17.8pp | 151.12%-144.7pp | 31.71%-25.3pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,593 | $3,237-50.8% | $5,202-69.4% | $3,741-57.4% |
| Admin fee / account holder | $3,855 | $6,748-42.9% | $13,987-72.4% | $5,306-27.3% |