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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 | $2,546 | $56,060-95.5% | $76,002-96.6% | $80,874-96.9% |
| Participation rate | 49.1% | 62.0%-12.9pp | 69.1%-20.0pp | 67.6%-18.5pp |
| Annual return | 8.24% | 20.54%-12.3pp | 360.07%-351.8pp | 35.62%-27.4pp |
| Employer contribution / active EE | $0 | $1,873-100.0% | $2,688-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,090 | $3,051-64.3% | $4,257-74.4% | $4,297-74.6% |
| Admin fee / account holder | $1,179 | $5,237-77.5% | $6,414-81.6% | $6,935-83.0% |