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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 | $16,408 | $71,215-77.0% | $93,696-82.5% | $80,935-79.7% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.1pp | 67.7%-1.0pp |
| Annual return | 5.42% | 11.27%-5.8pp | 133.74%-128.3pp | 35.66%-30.2pp |
| Employer contribution / active EE | $553 | $1,565-64.7% | $2,422-77.2% | $2,757-79.9% |
| Participant deferral / active EE | $1,929 | $4,037-52.2% | $4,417-56.3% | $4,299-55.1% |
| Admin fee / account holder | $1,344 | $6,958-80.7% | $8,287-83.8% | $6,924-80.6% |