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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 | $20,484 | $86,940-76.4% | $102,434-80.0% | $80,935-74.7% |
| Participation rate | 69.4% | 72.4%-3.0pp | 76.5%-7.1pp | 67.7%+1.7pp |
| Annual return | 9.16% | 18.89%-9.7pp | 29.46%-20.3pp | 35.66%-26.5pp |
| Employer contribution / active EE | $1,114 | $2,370-53.0% | $3,023-63.1% | $2,757-59.6% |
| Participant deferral / active EE | $2,289 | $4,121-44.4% | $5,055-54.7% | $4,299-46.8% |
| Admin fee / account holder | $4,470 | $8,047-44.4% | $9,462-52.8% | $6,924-35.4% |