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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 | $13,147 | $81,476-83.9% | $102,383-87.2% | $80,925-83.8% |
| Participation rate | 58.3% | 66.8%-8.5pp | 74.5%-16.2pp | 67.7%-9.3pp |
| Annual return | 9.07% | 25.59%-16.5pp | 24.94%-15.9pp | 35.65%-26.6pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,254 | $3,871-41.8% | $5,060-55.5% | $4,299-47.6% |
| Admin fee / account holder | $2,712 | $6,717-59.6% | $8,391-67.7% | $6,940-60.9% |