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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 | $22,578 | $81,334-72.2% | $113,397-80.1% | $64,097-64.8% |
| Participation rate | 63.0% | 65.6%-2.6pp | 76.5%-13.5pp | 55.2%+7.8pp |
| Annual return | 11.13% | 32.50%-21.4pp | 23.20%-12.1pp | 34.64%-23.5pp |
| Employer contribution / active EE | $1,748 | $2,077-15.8% | $2,977-41.3% | $1,891-7.6% |
| Participant deferral / active EE | $3,381 | $3,795-10.9% | $5,076-33.4% | $3,080+9.8% |
| Admin fee / account holder | $8,192 | $4,208+94.7% | $11,957-31.5% | $3,454+137.1% |