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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 | $13,824 | $51,769-73.3% | $57,356-75.9% | $52,331-73.6% |
| Participation rate | 62.6% | 75.2%-12.6pp | 75.1%-12.5pp | 68.1%-5.5pp |
| Annual return | -3.73% | 2.43%-6.2pp | 24.41%-28.1pp | 4.54%-8.3pp |
| Employer contribution / active EE | $0 | $2,335-100.0% | $2,689-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $6,455 | $2,794+131.0% | $3,162+104.2% | $3,022+113.6% |
| Admin fee / account holder | $467 | $295+58.4% | $3,357-86.1% | $592-21.1% |