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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 | $13,744 | $65,395-79.0% | $182,540-92.5% | $72,975-81.2% |
| Participation rate | 67.1% | 65.4%+1.7pp | 78.0%-10.9pp | 69.5%-2.4pp |
| Annual return | 9.16% | 27.68%-18.5pp | 148.58%-139.4pp | 81.01%-71.9pp |
| Employer contribution / active EE | $596 | $1,911-68.8% | $4,076-85.4% | $2,440-75.6% |
| Participant deferral / active EE | $1,425 | $3,563-60.0% | $5,525-74.2% | $3,608-60.5% |
| Admin fee / account holder | $853 | $4,245-79.9% | $8,593-90.1% | $5,124-83.3% |