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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 | $11,852 | $81,504-85.5% | $102,437-88.4% | $80,959-85.4% |
| Participation rate | 22.0% | 66.9%-44.9pp | 74.5%-52.6pp | 67.7%-45.7pp |
| Annual return | 10.20% | 25.60%-15.4pp | 24.95%-14.7pp | 35.67%-25.5pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,819 | $3,871-27.2% | $5,060-44.3% | $4,300-34.5% |
| Admin fee / account holder | $2,974 | $6,719-55.7% | $8,388-64.5% | $6,925-57.0% |