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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 | $16,706 | $53,774-68.9% | $134,162-87.5% | $79,852-79.1% |
| Participation rate | 62.1% | 58.8%+3.3pp | 72.2%-10.1pp | 69.6%-7.6pp |
| Annual return | 7.09% | 19.01%-11.9pp | 36.35%-29.3pp | 31.72%-24.6pp |
| Employer contribution / active EE | $838 | $1,322-36.6% | $3,705-77.4% | $2,471-66.1% |
| Participant deferral / active EE | $1,179 | $2,420-51.3% | $3,500-66.3% | $3,740-68.5% |
| Admin fee / account holder | $3,094 | $3,985-22.3% | $6,685-53.7% | $5,306-41.7% |