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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 | $64,501-58.1% | $108,753-75.2% | $65,306-58.7% |
| Participation rate | 67.3% | 50.8%+16.5pp | 71.1%-3.8pp | 57.7%+9.6pp |
| Annual return | 8.92% | 21.09%-12.2pp | 37.47%-28.5pp | 21.94%-13.0pp |
| Employer contribution / active EE | $1,117 | $1,069+4.4% | $2,427-54.0% | $1,967-43.2% |
| Participant deferral / active EE | $1,871 | $2,401-22.1% | $4,115-54.5% | $2,959-36.8% |
| Admin fee / account holder | $1,772 | $4,971-64.4% | $10,320-82.8% | $3,480-49.1% |