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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 | $19,614 | $56,894-65.5% | $84,753-76.9% | $62,881-68.8% |
| Participation rate | 57.1% | 68.5%-11.4pp | 76.6%-19.5pp | 69.3%-12.2pp |
| Annual return | 3.90% | 6.30%-2.4pp | 22.78%-18.9pp | 20.14%-16.2pp |
| Employer contribution / active EE | $2,357 | $2,400-1.8% | $3,574-34.1% | $2,281+3.3% |
| Participant deferral / active EE | $0 | $2,709-100.0% | $3,712-100.0% | $3,203-100.0% |
| Admin fee / account holder | $4,514 | $3,581+26.0% | $5,333-15.4% | $4,296+5.1% |