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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 | $21,164 | $77,574-72.7% | $108,753-80.5% | $86,983-75.7% |
| Participation rate | 61.5% | 62.3%-0.8pp | 71.1%-9.5pp | 69.5%-8.0pp |
| Annual return | 2.23% | 18.42%-16.2pp | 37.47%-35.2pp | 25.83%-23.6pp |
| Employer contribution / active EE | $1,356 | $1,611-15.8% | $2,427-44.1% | $2,584-47.5% |
| Participant deferral / active EE | $4,103 | $3,128+31.2% | $4,115-0.3% | $4,194-2.2% |
| Admin fee / account holder | $4,843 | $6,529-25.8% | $10,320-53.1% | $7,856-38.3% |