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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 | $24,015 | $101,778-76.4% | $164,975-85.4% | $80,925-70.3% |
| Participation rate | 54.0% | 71.8%-17.8pp | 78.6%-24.6pp | 67.7%-13.7pp |
| Annual return | 9.74% | 16.73%-7.0pp | 70.12%-60.4pp | 35.65%-25.9pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,166 | $4,477-51.6% | $6,033-64.1% | $4,299-49.6% |
| Admin fee / account holder | $3,370 | $8,221-59.0% | $12,688-73.4% | $6,940-51.4% |