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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 | $2,597 | $58,627-95.6% | $76,735-96.6% | $82,448-96.9% |
| Participation rate | 61.0% | 63.2%-2.2pp | 69.5%-8.5pp | 68.1%-7.1pp |
| Annual return | 11.84% | 39.10%-27.3pp | 29.77%-17.9pp | 41.64%-29.8pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,297 | $3,134-58.6% | $4,088-68.3% | $4,139-68.7% |
| Admin fee / account holder | $614 | $5,323-88.5% | $7,189-91.5% | $7,234-91.5% |