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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 | $10,769 | $58,493-81.6% | $84,021-87.2% | $72,975-85.2% |
| Participation rate | 68.5% | 61.2%+7.3pp | 69.0%-0.5pp | 69.5%-1.0pp |
| Annual return | 15.08% | 28.93%-13.9pp | 71.32%-56.2pp | 81.01%-65.9pp |
| Employer contribution / active EE | $602 | $1,163-48.2% | $1,984-69.6% | $2,440-75.3% |
| Participant deferral / active EE | $1,292 | $2,394-46.0% | $3,239-60.1% | $3,608-64.2% |
| Admin fee / account holder | $1,249 | $4,569-72.7% | $6,102-79.5% | $5,124-75.6% |