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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 | $12,727 | $95,383-86.7% | $185,837-93.2% | $85,856-85.2% |
| Participation rate | 35.7% | 68.8%-33.1pp | 81.7%-46.0pp | 69.3%-33.6pp |
| Annual return | 8.11% | 23.59%-15.5pp | 122.08%-114.0pp | 318.58%-310.5pp |
| Employer contribution / active EE | $0 | $3,313-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,038 | $3,423-69.7% | $5,568-81.4% | $3,952-73.7% |
| Admin fee / account holder | $472 | $7,213-93.5% | $16,241-97.1% | $6,261-92.5% |