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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 | $22,506 | $50,534-55.5% | $213,469-89.5% | $64,340-65.0% |
| Participation rate | 54.5% | 46.3%+8.2pp | 77.1%-22.6pp | 55.2%-0.7pp |
| Annual return | 12.93% | 38.98%-26.0pp | 20.58%-7.6pp | 24.14%-11.2pp |
| Employer contribution / active EE | $0 | $1,419-100.0% | $4,994-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,194 | $2,901-24.3% | $6,841-67.9% | $2,980-26.4% |
| Admin fee / account holder | $3,066 | $4,263-28.1% | $27,141-88.7% | $3,703-17.2% |