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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 | $55,879 | $101,795-45.1% | $165,100-66.2% | $80,959-31.0% |
| Participation rate | 55.6% | 71.8%-16.3pp | 78.6%-23.1pp | 67.7%-12.1pp |
| Annual return | 9.24% | 16.73%-7.5pp | 70.21%-61.0pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,376 | $2,954-53.4% | $4,348-68.4% | $2,757-50.1% |
| Participant deferral / active EE | $1,886 | $4,476-57.9% | $6,035-68.8% | $4,300-56.1% |
| Admin fee / account holder | $6,515 | $8,221-20.7% | $12,696-48.7% | $6,925-5.9% |