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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 | $27,371 | $80,763-66.1% | $102,412-73.3% | $74,459-63.2% |
| Participation rate | 36.2% | 65.7%-29.5pp | 74.5%-38.3pp | 67.2%-31.1pp |
| Annual return | 9.50% | 27.57%-18.1pp | 24.94%-15.4pp | 1369.70%-1360.2pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,407 | $3,862-37.7% | $5,060-52.4% | $4,350-44.7% |
| Admin fee / account holder | $2,736 | $2,371+15.4% | $8,388-67.4% | $1,945+40.7% |