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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 | $13,830 | $56,054-75.3% | $171,082-91.9% | $62,881-78.0% |
| Participation rate | 67.4% | 62.9%+4.6pp | 76.7%-9.3pp | 69.3%-1.9pp |
| Annual return | 4.10% | 22.52%-18.4pp | 32.56%-28.5pp | 20.14%-16.0pp |
| Employer contribution / active EE | $1,285 | $1,731-25.8% | $4,002-67.9% | $2,281-43.7% |
| Participant deferral / active EE | $2,247 | $3,158-28.8% | $4,797-53.2% | $3,203-29.8% |
| Admin fee / account holder | $4,688 | $3,647+28.5% | $8,520-45.0% | $4,296+9.1% |