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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 | $8,442 | $81,331-89.6% | $155,534-94.6% | $80,935-89.6% |
| Participation rate | 51.8% | 66.3%-14.5pp | 78.2%-26.5pp | 67.7%-15.9pp |
| Annual return | 10.54% | 33.37%-22.8pp | 64.92%-54.4pp | 35.66%-25.1pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,420 | $3,454-58.9% | $5,630-74.8% | $4,299-67.0% |
| Admin fee / account holder | $312 | $7,999-96.1% | $15,900-98.0% | $6,924-95.5% |