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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 | $2,389 | $41,016-94.2% | $152,093-98.4% | $64,097-96.3% |
| Participation rate | 62.2% | 51.3%+10.8pp | 77.8%-15.6pp | 55.2%+7.0pp |
| Annual return | 7.62% | 39.60%-32.0pp | 66.36%-58.7pp | 34.64%-27.0pp |
| Employer contribution / active EE | $281 | $1,342-79.1% | $4,175-93.3% | $1,891-85.2% |
| Participant deferral / active EE | $1,249 | $1,927-35.2% | $5,451-77.1% | $3,080-59.5% |
| Admin fee / account holder | $741 | $2,305-67.9% | $14,497-94.9% | $3,454-78.6% |