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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 | $69,450 | $97,550-28.8% | $120,344-42.3% | $87,485-20.6% |
| Participation rate | 38.1% | 72.8%-34.7pp | 76.7%-38.6pp | 68.9%-30.8pp |
| Annual return | 6.33% | 18.41%-12.1pp | 20.30%-14.0pp | 26.06%-19.7pp |
| Employer contribution / active EE | $1,081 | $2,291-52.8% | $3,020-64.2% | $2,596-58.4% |
| Participant deferral / active EE | $1,755 | $4,230-58.5% | $5,135-65.8% | $4,274-58.9% |
| Admin fee / account holder | $96,536 | $9,543+911.6% | $12,742+657.6% | $7,775+1141.7% |