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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 | $18,392 | $87,106-78.9% | $105,607-82.6% | $80,935-77.3% |
| Participation rate | 56.0% | 70.4%-14.4pp | 75.3%-19.3pp | 67.7%-11.7pp |
| Annual return | 8.25% | 17.01%-8.8pp | 116.11%-107.9pp | 35.66%-27.4pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,071 | $3,986+2.1% | $5,011-18.8% | $4,299-5.3% |
| Admin fee / account holder | $1,374 | $8,447-83.7% | $10,958-87.5% | $6,924-80.2% |