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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 | $5,167 | $81,487-93.7% | $102,412-95.0% | $80,935-93.6% |
| Participation rate | 44.8% | 66.8%-22.0pp | 74.5%-29.7pp | 67.7%-22.8pp |
| Annual return | 2.02% | 25.60%-23.6pp | 24.94%-22.9pp | 35.66%-33.6pp |
| Employer contribution / active EE | $1,406 | $3,103-54.7% | $3,870-63.7% | $2,757-49.0% |
| Participant deferral / active EE | $0 | $3,871-100.0% | $5,060-100.0% | $4,299-100.0% |
| Admin fee / account holder | $392 | $6,717-94.2% | $8,388-95.3% | $6,924-94.3% |