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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 | $18,088 | $79,449-77.2% | $189,597-90.5% | $85,851-78.9% |
| Participation rate | 38.5% | 66.0%-27.5pp | 78.4%-40.0pp | 69.3%-30.9pp |
| Annual return | 0.84% | 18.45%-17.6pp | 64.20%-63.4pp | 318.63%-317.8pp |
| Employer contribution / active EE | $0 | $2,081-100.0% | $4,412-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,620 | $4,051-60.0% | $6,174-73.8% | $3,952-59.0% |
| Admin fee / account holder | $1,760 | $5,377-67.3% | $9,807-82.1% | $6,261-71.9% |