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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 | $3,082 | $45,343-93.2% | $150,298-97.9% | $67,986-95.5% |
| Participation rate | 69.9% | 51.9%+18.1pp | 77.8%-7.8pp | 57.2%+12.7pp |
| Annual return | 9.00% | 33.28%-24.3pp | 62.79%-53.8pp | 31.67%-22.7pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $872 | $2,055-57.6% | $5,453-84.0% | $3,358-74.0% |
| Admin fee / account holder | $624 | $2,250-72.3% | $14,116-95.6% | $3,203-80.5% |