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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 | $24,401 | $138,386-82.4% | $184,260-86.8% | $80,935-69.9% |
| Participation rate | 57.1% | 83.9%-26.8pp | 86.8%-29.7pp | 67.7%-10.5pp |
| Annual return | 10.03% | 20.02%-10.0pp | 28.84%-18.8pp | 35.66%-25.6pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,751 | $7,076-32.9% | $9,133-48.0% | $4,299+10.5% |
| Admin fee / account holder | $3,488 | $10,489-66.7% | $13,898-74.9% | $6,924-49.6% |