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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 | $20,992 | $67,602-68.9% | $82,312-74.5% | $70,126-70.1% |
| Participation rate | 62.9% | 72.8%-9.9pp | 76.9%-14.0pp | 69.5%-6.7pp |
| Annual return | 9.43% | 21.57%-12.1pp | 25.88%-16.4pp | 73.15%-63.7pp |
| Employer contribution / active EE | $1,212 | $1,755-31.0% | $2,428-50.1% | $2,343-48.3% |
| Participant deferral / active EE | $3,335 | $2,987+11.6% | $3,706-10.0% | $3,332+0.1% |
| Admin fee / account holder | $3,538 | $4,512-21.6% | $5,608-36.9% | $4,645-23.8% |