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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 | $24,782 | $67,602-63.3% | $82,312-69.9% | $70,126-64.7% |
| Participation rate | 63.6% | 72.8%-9.1pp | 76.9%-13.3pp | 69.5%-5.9pp |
| Annual return | 6.73% | 21.57%-14.8pp | 25.88%-19.1pp | 73.15%-66.4pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,351 | $2,987-54.8% | $3,706-63.5% | $3,332-59.4% |
| Admin fee / account holder | $1,049 | $4,512-76.8% | $5,608-81.3% | $4,645-77.4% |