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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 | $8,173 | $56,544-85.5% | $75,501-89.2% | $70,126-88.3% |
| Participation rate | 58.1% | 68.1%-10.0pp | 72.4%-14.2pp | 69.5%-11.4pp |
| Annual return | 11.57% | 23.59%-12.0pp | 27.35%-15.8pp | 73.15%-61.6pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $978 | $2,580-62.1% | $3,142-68.9% | $3,332-70.7% |
| Admin fee / account holder | $405 | $3,827-89.4% | $5,801-93.0% | $4,645-91.3% |