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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 | $3,994 | $57,119-93.0% | $85,187-95.3% | $80,935-95.1% |
| Participation rate | 56.3% | 56.4%-0.1pp | 67.5%-11.2pp | 67.7%-11.3pp |
| Annual return | 8.90% | 21.70%-12.8pp | 66.67%-57.8pp | 35.66%-26.8pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,602 | $3,115-48.6% | $4,525-64.6% | $4,299-62.7% |
| Admin fee / account holder | $421 | $4,990-91.6% | $6,162-93.2% | $6,924-93.9% |