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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 | $109,782-86.9% | $260,467-94.5% | $94,015-84.7% |
| Participation rate | 69.8% | 67.2%+2.6pp | 80.5%-10.7pp | 70.8%-1.1pp |
| Annual return | 9.17% | 18.60%-9.4pp | 100.60%-91.4pp | 17.84%-8.7pp |
| Employer contribution / active EE | $782 | $2,147-63.6% | $4,239-81.5% | $2,790-72.0% |
| Participant deferral / active EE | $1,909 | $4,044-52.8% | $6,319-69.8% | $4,249-55.1% |
| Admin fee / account holder | $7,338 | $11,958-38.6% | $15,461-52.5% | $8,951-18.0% |