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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 | $36,519 | $115,931-68.5% | $185,441-80.3% | $86,983-58.0% |
| Participation rate | 69.7% | 73.6%-3.9pp | 80.3%-10.6pp | 69.5%+0.2pp |
| Annual return | 9.93% | 21.47%-11.5pp | 20.16%-10.2pp | 25.83%-15.9pp |
| Employer contribution / active EE | $2,738 | $2,937-6.8% | $4,672-41.4% | $2,584+6.0% |
| Participant deferral / active EE | $2,112 | $4,551-53.6% | $6,152-65.7% | $4,194-49.6% |
| Admin fee / account holder | $4,573 | $10,687-57.2% | $17,890-74.4% | $7,856-41.8% |