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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 | $24,050 | $69,977-65.6% | $108,582-77.9% | $62,881-61.8% |
| Participation rate | 37.2% | 72.9%-35.7pp | 79.6%-42.4pp | 69.3%-32.1pp |
| Annual return | 4.50% | 10.73%-6.2pp | -51.70%+56.2pp | 20.14%-15.6pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,641 | $3,165-48.1% | $4,311-61.9% | $3,203-48.8% |
| Admin fee / account holder | $1,208 | $5,076-76.2% | $7,645-84.2% | $4,296-71.9% |