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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 | $13,674 | $71,197-80.8% | $93,669-85.4% | $80,925-83.1% |
| Participation rate | 26.3% | 60.4%-34.1pp | 68.7%-42.5pp | 67.7%-41.4pp |
| Annual return | 1.02% | 11.27%-10.3pp | 133.59%-132.6pp | 35.65%-34.6pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,533 | $4,036-62.0% | $4,416-65.3% | $4,299-64.3% |
| Admin fee / account holder | $1,299 | $6,959-81.3% | $8,291-84.3% | $6,940-81.3% |