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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 | $5,624 | $48,327-88.4% | $67,575-91.7% | $80,935-93.1% |
| Participation rate | 39.7% | 66.4%-26.7pp | 72.9%-33.2pp | 67.7%-27.9pp |
| Annual return | 6.13% | 18.31%-12.2pp | 3528.98%-3522.8pp | 35.66%-29.5pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,039 | $2,927-64.5% | $4,003-74.1% | $4,299-75.8% |
| Admin fee / account holder | $460 | $3,692-87.5% | $3,993-88.5% | $6,924-93.4% |