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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 | $15,406 | $65,395-76.4% | $182,558-91.6% | $72,976-78.9% |
| Participation rate | 67.4% | 65.4%+1.9pp | 78.0%-10.6pp | 69.5%-2.1pp |
| Annual return | 16.76% | 27.68%-10.9pp | 148.59%-131.8pp | 81.02%-64.3pp |
| Employer contribution / active EE | $1,426 | $1,911-25.4% | $4,076-65.0% | $2,440-41.6% |
| Participant deferral / active EE | $2,364 | $3,563-33.6% | $5,526-57.2% | $3,608-34.5% |
| Admin fee / account holder | $3,228 | $4,245-23.9% | $8,594-62.4% | $5,124-37.0% |