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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 | $18,246 | $63,346-71.2% | $92,240-80.2% | $70,126-74.0% |
| Participation rate | 68.0% | 68.7%-0.7pp | 76.5%-8.5pp | 69.5%-1.5pp |
| Annual return | 8.58% | 530.19%-521.6pp | 176.29%-167.7pp | 73.15%-64.6pp |
| Employer contribution / active EE | $1,215 | $2,471-50.8% | $3,680-67.0% | $2,343-48.1% |
| Participant deferral / active EE | $3,080 | $2,854+7.9% | $3,897-21.0% | $3,332-7.6% |
| Admin fee / account holder | $4,358 | $3,841+13.5% | $5,194-16.1% | $4,645-6.2% |