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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 | $14,340 | $90,400-84.1% | $186,193-92.3% | $87,485-83.6% |
| Participation rate | 69.8% | 66.2%+3.6pp | 77.1%-7.3pp | 68.9%+0.8pp |
| Annual return | 9.17% | 22.15%-13.0pp | 78.03%-68.9pp | 26.06%-16.9pp |
| Employer contribution / active EE | $782 | $2,170-64.0% | $3,918-80.0% | $2,596-69.9% |
| Participant deferral / active EE | $1,909 | $4,330-55.9% | $6,513-70.7% | $4,274-55.3% |
| Admin fee / account holder | $7,338 | $8,673-15.4% | $11,058-33.6% | $7,775-5.6% |