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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 | $15,340 | $97,648-84.3% | $121,663-87.4% | $87,485-82.5% |
| Participation rate | 66.0% | 70.5%-4.5pp | 74.5%-8.5pp | 68.9%-2.9pp |
| Annual return | 8.97% | 18.03%-9.1pp | 147.54%-138.6pp | 26.06%-17.1pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,924 | $3,923-25.5% | $4,887-40.2% | $4,274-31.6% |
| Admin fee / account holder | $2,241 | $11,100-79.8% | $14,289-84.3% | $7,775-71.2% |