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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 | $9,181 | $55,713-83.5% | $75,901-87.9% | $72,975-87.4% |
| Participation rate | 39.3% | 61.1%-21.8pp | 69.3%-29.9pp | 69.5%-30.1pp |
| Annual return | 9.03% | 27.60%-18.6pp | 30.76%-21.7pp | 81.01%-72.0pp |
| Employer contribution / active EE | $751 | $1,687-55.5% | $2,501-70.0% | $2,440-69.2% |
| Participant deferral / active EE | $1,163 | $2,634-55.8% | $3,603-67.7% | $3,608-67.8% |
| Admin fee / account holder | $1,093 | $3,980-72.5% | $5,420-79.8% | $5,124-78.7% |