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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 | $15,426 | $77,962-80.2% | $178,540-91.4% | $80,935-80.9% |
| Participation rate | 38.7% | 65.7%-27.0pp | 77.1%-38.4pp | 67.7%-29.0pp |
| Annual return | 9.10% | 18.10%-9.0pp | 27.15%-18.1pp | 35.66%-26.6pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,004 | $4,404-54.5% | $6,281-68.1% | $4,299-53.4% |
| Admin fee / account holder | $848 | $7,156-88.2% | $10,424-91.9% | $6,924-87.8% |