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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 | $3,159 | $51,222-93.8% | $70,544-95.5% | $75,173-95.8% |
| Participation rate | 61.5% | 61.0%+0.6pp | 68.4%-6.8pp | 67.2%-5.7pp |
| Annual return | 11.84% | 30.06%-18.2pp | 32.79%-20.9pp | 160.72%-148.9pp |
| Employer contribution / active EE | $556 | $1,827-69.6% | $2,976-81.3% | $2,671-79.2% |
| Participant deferral / active EE | $1,312 | $2,850-54.0% | $4,568-71.3% | $4,126-68.2% |
| Admin fee / account holder | $536 | $4,096-86.9% | $6,427-91.7% | $5,651-90.5% |