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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 | $2,426 | $58,848-95.9% | $88,179-97.2% | $82,637-97.1% |
| Participation rate | 18.3% | 57.9%-39.6pp | 69.1%-50.9pp | 68.1%-49.8pp |
| Annual return | 3.34% | 22.76%-19.4pp | 64.97%-61.6pp | 53.51%-50.2pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $0 | $3,124-100.0% | $4,614-100.0% | $4,126-100.0% |
| Admin fee / account holder | $371 | $4,795-92.3% | $7,673-95.2% | $7,339-95.0% |