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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 | $20,451 | $54,541-62.5% | $78,778-74.0% | $70,124-70.8% |
| Participation rate | 68.7% | 60.8%+7.9pp | 69.2%-0.5pp | 69.5%-0.9pp |
| Annual return | 11.97% | 21.07%-9.1pp | 35.62%-23.7pp | 73.14%-61.2pp |
| Employer contribution / active EE | $1,213 | $1,089+11.4% | $1,986-38.9% | $2,342-48.2% |
| Participant deferral / active EE | $1,752 | $2,210-20.7% | $2,958-40.8% | $3,332-47.4% |
| Admin fee / account holder | $1,156 | $3,709-68.8% | $5,134-77.5% | $4,645-75.1% |