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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 | $94,436-83.8% | $115,599-86.7% | $82,637-81.4% |
| Participation rate | 66.0% | 70.4%-4.4pp | 74.3%-8.3pp | 68.1%-2.1pp |
| Annual return | 8.97% | 18.37%-9.4pp | 111.10%-102.1pp | 53.51%-44.5pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,924 | $3,955-26.1% | $4,889-40.2% | $4,126-29.1% |
| Admin fee / account holder | $2,241 | $10,328-78.3% | $12,841-82.5% | $7,339-69.5% |