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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 | $26,430 | $69,977-62.2% | $108,582-75.7% | $62,881-58.0% |
| Participation rate | 52.3% | 72.9%-20.6pp | 79.6%-27.3pp | 69.3%-17.0pp |
| Annual return | 4.41% | 10.73%-6.3pp | -51.70%+56.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $851 | $2,135-60.2% | $3,758-77.4% | $2,281-62.7% |
| Participant deferral / active EE | $1,959 | $3,165-38.1% | $4,311-54.6% | $3,203-38.8% |
| Admin fee / account holder | $440 | $5,076-91.3% | $7,645-94.2% | $4,296-89.8% |