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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 | $58,506 | $73,988-20.9% | $96,538-39.4% | $75,177-22.2% |
| Participation rate | 54.5% | 66.4%-11.9pp | 74.3%-19.8pp | 67.2%-12.7pp |
| Annual return | 11.14% | 26.73%-15.6pp | 35.74%-24.6pp | 160.75%-149.6pp |
| Employer contribution / active EE | $3,867 | $2,930+32.0% | $3,740+3.4% | $2,671+44.8% |
| Participant deferral / active EE | $1,151 | $3,660-68.5% | $4,880-76.4% | $4,126-72.1% |
| Admin fee / account holder | $83,824 | $5,220+1506.0% | $6,737+1144.2% | $5,651+1383.3% |