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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 | $18,184 | $78,670-76.9% | $109,173-83.3% | $85,847-78.8% |
| Participation rate | 68.4% | 68.3%+0.1pp | 75.9%-7.5pp | 69.3%-0.9pp |
| Annual return | 11.16% | 25.09%-13.9pp | 25.75%-14.6pp | 318.61%-307.4pp |
| Employer contribution / active EE | $1,666 | $2,734-39.1% | $3,723-55.3% | $2,565-35.1% |
| Participant deferral / active EE | $2,434 | $3,467-29.8% | $4,654-47.7% | $3,952-38.4% |
| Admin fee / account holder | $2,260 | $5,469-58.7% | $6,755-66.5% | $6,261-63.9% |