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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 | $2,089 | $117,426-98.2% | $99,470-97.9% | $152,885-98.6% |
| Participation rate | 17.4% | 77.5%-60.2pp | 73.8%-56.4pp | 82.5%-65.1pp |
| Annual return | 0.27% | 31.87%-31.6pp | 30.72%-30.5pp | 345.39%-345.1pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $2,540-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $839 | $4,086-79.5% | $3,619-76.8% | $5,851-85.7% |
| Admin fee / account holder | $832 | $7,634-89.1% | $6,252-86.7% | $11,598-92.8% |