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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 | $15,447 | $62,583-75.3% | $76,767-79.9% | $64,173-75.9% |
| Participation rate | 45.9% | 72.8%-26.9pp | 77.0%-31.0pp | 69.6%-23.6pp |
| Annual return | -8.63% | -1.95%-6.7pp | 2.43%-11.1pp | 7.63%-16.3pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,720 | $3,145-45.3% | $3,852-55.3% | $3,470-50.4% |
| Admin fee / account holder | $399 | $4,667-91.5% | $6,675-94.0% | $4,887-91.8% |