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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 | $27,003 | $67,638-60.1% | $133,346-79.7% | $69,733-61.3% |
| Participation rate | 67.3% | 54.3%+13.0pp | 72.8%-5.5pp | 62.5%+4.9pp |
| Annual return | 8.92% | 13.38%-4.5pp | 36.85%-27.9pp | 15.22%-6.3pp |
| Employer contribution / active EE | $1,117 | $1,177-5.2% | $2,853-60.9% | $2,250-50.4% |
| Participant deferral / active EE | $1,871 | $2,567-27.1% | $4,332-56.8% | $3,054-38.8% |
| Admin fee / account holder | $1,772 | $4,814-63.2% | $14,264-87.6% | $3,102-42.9% |