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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 | $19,982 | $101,795-80.4% | $165,100-87.9% | $80,959-75.3% |
| Participation rate | 40.5% | 71.8%-31.3pp | 78.6%-38.1pp | 67.7%-27.1pp |
| Annual return | 10.37% | 16.73%-6.4pp | 70.21%-59.8pp | 35.67%-25.3pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,565 | $4,476-42.7% | $6,035-57.5% | $4,300-40.4% |
| Admin fee / account holder | $1,764 | $8,221-78.5% | $12,696-86.1% | $6,925-74.5% |