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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 | $26,740 | $176,794-84.9% | $146,647-81.8% | $167,553-84.0% |
| Participation rate | 31.3% | 83.6%-52.4pp | 80.1%-48.8pp | 82.1%-50.9pp |
| Annual return | 3.70% | 24.04%-20.3pp | 22.75%-19.1pp | 478.89%-475.2pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $2,879 | $6,440-55.3% | $5,506-47.7% | $6,343-54.6% |
| Admin fee / account holder | $4,079 | $13,262-69.2% | $10,281-60.3% | $12,316-66.9% |