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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 | $5,249 | $51,202-89.7% | $70,548-92.6% | $75,181-93.0% |
| Participation rate | 23.7% | 61.0%-37.3pp | 68.3%-44.7pp | 67.2%-43.5pp |
| Annual return | 8.57% | 30.05%-21.5pp | 32.78%-24.2pp | 160.69%-152.1pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,975-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,161 | $2,850-59.3% | $4,567-74.6% | $4,126-71.9% |
| Admin fee / account holder | $940 | $4,094-77.0% | $6,424-85.4% | $5,650-83.4% |