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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 | $7,218 | $75,963-90.5% | $97,995-92.6% | $70,131-89.7% |
| Participation rate | 65.5% | 77.0%-11.4pp | 82.4%-16.9pp | 69.5%-4.0pp |
| Annual return | 7.24% | 19.26%-12.0pp | 23.94%-16.7pp | 73.14%-65.9pp |
| Employer contribution / active EE | $794 | $3,278-75.8% | $4,158-80.9% | $2,342-66.1% |
| Participant deferral / active EE | $2,936 | $4,053-27.6% | $5,097-42.4% | $3,332-11.9% |
| Admin fee / account holder | $674 | $5,407-87.5% | $5,943-88.7% | $4,645-85.5% |