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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 | $18,985 | $51,708-63.3% | $106,619-82.2% | $62,881-69.8% |
| Participation rate | 67.6% | 66.9%+0.8pp | 78.0%-10.3pp | 69.3%-1.7pp |
| Annual return | 3.51% | 4.69%-1.2pp | 9.42%-5.9pp | 20.14%-16.6pp |
| Employer contribution / active EE | $668 | $1,764-62.1% | $3,947-83.1% | $2,281-70.7% |
| Participant deferral / active EE | $1,334 | $2,315-42.4% | $3,930-66.1% | $3,203-58.4% |
| Admin fee / account holder | $2,021 | $3,349-39.7% | $6,418-68.5% | $4,296-53.0% |