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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 | $18,824 | $75,183-75.0% | $123,894-84.8% | $55,167-65.9% |
| Participation rate | 25.6% | 72.8%-47.2pp | 81.4%-55.8pp | 69.0%-43.4pp |
| Annual return | 3.95% | 19.01%-15.1pp | 47.52%-43.6pp | 169.23%-165.3pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,967 | $5,084-41.7% | $5,984-50.4% | $3,054-2.9% |
| Admin fee / account holder | $7,152 | $663+979.6% | $8,357-14.4% | $504+1319.4% |