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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 | $17,525 | $95,453-81.6% | $112,040-84.4% | $82,448-78.7% |
| Participation rate | 27.6% | 72.8%-45.2pp | 76.5%-48.9pp | 68.1%-40.5pp |
| Annual return | 3.71% | 23.92%-20.2pp | 24.52%-20.8pp | 41.64%-37.9pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,053 | $4,224-51.4% | $5,098-59.7% | $4,139-50.4% |
| Admin fee / account holder | $1,954 | $9,013-78.3% | $12,098-83.8% | $7,234-73.0% |