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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 | $25,263 | $91,439-72.4% | $135,974-81.4% | $71,511-64.7% |
| Participation rate | 28.4% | 75.7%-47.2pp | 81.9%-53.5pp | 67.9%-39.5pp |
| Annual return | 15.09% | 29.90%-14.8pp | 68.30%-53.2pp | 28.86%-13.8pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,251 | $7,093-54.2% | $7,760-58.1% | $4,291-24.2% |
| Admin fee / account holder | $2,762 | $1,267+118.1% | $10,767-74.3% | $1,588+73.9% |