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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 | $2,928 | $45,312-93.5% | $86,233-96.6% | $67,986-95.7% |
| Participation rate | 61.8% | 42.4%+19.3pp | 69.0%-7.3pp | 57.2%+4.6pp |
| Annual return | 12.52% | 24.79%-12.3pp | 61.39%-48.9pp | 31.67%-19.1pp |
| Employer contribution / active EE | $240 | $1,160-79.3% | $2,504-90.4% | $2,019-88.1% |
| Participant deferral / active EE | $595 | $2,185-72.8% | $4,559-86.9% | $3,358-82.3% |
| Admin fee / account holder | $723 | $3,295-78.1% | $8,342-91.3% | $3,203-77.4% |