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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 | $9,280 | $81,358-88.6% | $155,556-94.0% | $80,959-88.5% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 10.06% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $718 | $3,106-76.9% | $4,675-84.6% | $2,757-73.9% |
| Participant deferral / active EE | $1,940 | $3,455-43.9% | $5,631-65.5% | $4,300-54.9% |
| Admin fee / account holder | $1,230 | $7,994-84.6% | $15,885-92.3% | $6,925-82.2% |