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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 | $20,156 | $72,269-72.1% | $101,271-80.1% | $79,852-74.8% |
| Participation rate | 48.6% | 68.5%-19.9pp | 75.8%-27.2pp | 69.6%-21.1pp |
| Annual return | 8.10% | 22.29%-14.2pp | 46.48%-38.4pp | 31.72%-23.6pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,250 | $3,282-1.0% | $4,371-25.6% | $3,740-13.1% |
| Admin fee / account holder | $2,911 | $4,401-33.8% | $5,948-51.0% | $5,306-45.1% |