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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 | $37,529 | $86,949-56.8% | $102,460-63.4% | $80,959-53.6% |
| Participation rate | 61.1% | 72.4%-11.3pp | 76.5%-15.4pp | 67.7%-6.6pp |
| Annual return | 7.37% | 18.89%-11.5pp | 29.47%-22.1pp | 35.67%-28.3pp |
| Employer contribution / active EE | $1,792 | $2,370-24.4% | $3,025-40.8% | $2,757-35.0% |
| Participant deferral / active EE | $691 | $4,121-83.2% | $5,056-86.3% | $4,300-83.9% |
| Admin fee / account holder | $1,257 | $8,048-84.4% | $9,460-86.7% | $6,925-81.8% |