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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 | $11,013 | $81,487-86.5% | $102,412-89.2% | $80,935-86.4% |
| Participation rate | 63.0% | 66.8%-3.9pp | 74.5%-11.5pp | 67.7%-4.7pp |
| Annual return | 7.77% | 25.60%-17.8pp | 24.94%-17.2pp | 35.66%-27.9pp |
| Employer contribution / active EE | $2,199 | $3,103-29.1% | $3,870-43.2% | $2,757-20.2% |
| Participant deferral / active EE | $1,791 | $3,871-53.7% | $5,060-64.6% | $4,299-58.4% |
| Admin fee / account holder | $1,623 | $6,717-75.8% | $8,388-80.7% | $6,924-76.6% |