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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $78,619 | $76,551+2.7% | $123,894-36.5% | $62,881+25.0% |
| Participation rate | 54.1% | 73.0%-18.9pp | 81.4%-27.4pp | 69.3%-15.3pp |
| Annual return | 4.83% | 18.68%-13.8pp | 47.52%-42.7pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,554 | $2,882-46.1% | $4,617-66.3% | $2,281-31.9% |
| Participant deferral / active EE | $1,820 | $4,840-62.4% | $5,984-69.6% | $3,203-43.2% |
| Admin fee / account holder | $2,229 | $4,826-53.8% | $8,357-73.3% | $4,296-48.1% |