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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 | $24,045 | $86,940-72.3% | $102,434-76.5% | $80,935-70.3% |
| Participation rate | 69.2% | 72.4%-3.2pp | 76.5%-7.3pp | 67.7%+1.6pp |
| Annual return | 10.01% | 18.89%-8.9pp | 29.46%-19.4pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,409 | $2,370-40.5% | $3,023-53.4% | $2,757-48.9% |
| Participant deferral / active EE | $2,251 | $4,121-45.4% | $5,055-55.5% | $4,299-47.6% |
| Admin fee / account holder | $1,363 | $8,047-83.1% | $9,462-85.6% | $6,924-80.3% |