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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 | $11,121 | $93,598-88.1% | $135,974-91.8% | $75,173-85.2% |
| Participation rate | 68.0% | 75.2%-7.2pp | 81.9%-13.9pp | 67.2%+0.8pp |
| Annual return | 14.45% | 30.89%-16.4pp | 68.30%-53.9pp | 160.72%-146.3pp |
| Employer contribution / active EE | $934 | $3,538-73.6% | $4,859-80.8% | $2,671-65.0% |
| Participant deferral / active EE | $2,657 | $6,405-58.5% | $7,760-65.8% | $4,126-35.6% |
| Admin fee / account holder | $4,122 | $6,978-40.9% | $10,767-61.7% | $5,651-27.1% |