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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 | $43,836 | $56,287-22.1% | $80,977-45.9% | $62,881-30.3% |
| Participation rate | 64.3% | 68.9%-4.7pp | 75.8%-11.5pp | 69.3%-5.0pp |
| Annual return | -1.91% | 22.13%-24.0pp | 17.11%-19.0pp | 20.14%-22.1pp |
| Employer contribution / active EE | $2,014 | $1,943+3.7% | $3,715-45.8% | $2,281-11.7% |
| Participant deferral / active EE | $1,572 | $4,196-62.5% | $5,696-72.4% | $3,203-50.9% |
| Admin fee / account holder | $1,393 | $3,742-62.8% | $5,517-74.8% | $4,296-67.6% |