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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 | $6,791 | $41,016-83.4% | $152,093-95.5% | $64,097-89.4% |
| Participation rate | 36.4% | 51.3%-14.9pp | 77.8%-41.3pp | 55.2%-18.8pp |
| Annual return | 11.50% | 39.60%-28.1pp | 66.36%-54.9pp | 34.64%-23.1pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $764 | $1,927-60.4% | $5,451-86.0% | $3,080-75.2% |
| Admin fee / account holder | $368 | $2,305-84.0% | $14,497-97.5% | $3,454-89.4% |