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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 | $15,444 | $63,156-75.5% | $122,354-87.4% | $62,293-75.2% |
| Participation rate | 62.7% | 60.0%+2.7pp | 71.6%-8.9pp | 69.5%-6.8pp |
| Annual return | 9.51% | 20.61%-11.1pp | 30.28%-20.8pp | 28.90%-19.4pp |
| Employer contribution / active EE | $594 | $1,385-57.1% | $4,051-85.3% | $2,042-70.9% |
| Participant deferral / active EE | $2,613 | $2,321+12.6% | $3,287-20.5% | $3,169-17.5% |
| Admin fee / account holder | $829 | $440+88.5% | $5,479-84.9% | $479+73.0% |