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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 | $6,210 | $81,331-92.4% | $155,534-96.0% | $80,935-92.3% |
| Participation rate | 52.1% | 66.3%-14.2pp | 78.2%-26.1pp | 67.7%-15.6pp |
| Annual return | 9.39% | 33.37%-24.0pp | 64.92%-55.5pp | 35.66%-26.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,101 | $3,454-68.1% | $5,630-80.4% | $4,299-74.4% |
| Admin fee / account holder | $624 | $7,999-92.2% | $15,900-96.1% | $6,924-91.0% |