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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 | $94,031-83.7% | $115,768-86.7% | $82,448-81.4% |
| Participation rate | 66.0% | 70.4%-4.4pp | 74.4%-8.4pp | 68.1%-2.1pp |
| Annual return | 8.97% | 20.61%-11.6pp | 100.46%-91.5pp | 41.64%-32.7pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,924 | $3,972-26.4% | $4,917-40.5% | $4,139-29.4% |
| Admin fee / account holder | $2,241 | $10,249-78.1% | $12,439-82.0% | $7,234-69.0% |