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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 | $12,773 | $48,078-73.4% | $78,676-83.8% | $62,881-79.7% |
| Participation rate | 69.8% | 65.2%+4.6pp | 73.6%-3.8pp | 69.3%+0.5pp |
| Annual return | 1.33% | 31.36%-30.0pp | 62.19%-60.9pp | 20.14%-18.8pp |
| Employer contribution / active EE | $360 | $2,015-82.1% | $2,850-87.4% | $2,281-84.2% |
| Participant deferral / active EE | $1,008 | $2,587-61.0% | $3,517-71.3% | $3,203-68.5% |
| Admin fee / account holder | $1,481 | $3,206-53.8% | $4,510-67.2% | $4,296-65.5% |