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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 | $21,928 | $78,636-72.1% | $105,607-79.2% | $74,459-70.6% |
| Participation rate | 49.4% | 72.8%-23.4pp | 75.3%-25.9pp | 67.2%-17.9pp |
| Annual return | 8.67% | 15.96%-7.3pp | 116.11%-107.4pp | 1369.70%-1361.0pp |
| Employer contribution / active EE | $0 | $2,523-100.0% | $3,167-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,100 | $4,322-51.4% | $5,011-58.1% | $4,350-51.7% |
| Admin fee / account holder | $3,089 | $2,220+39.1% | $10,958-71.8% | $1,945+58.8% |