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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 | $58,362 | $77,460-24.7% | $100,378-41.9% | $80,925-27.9% |
| Participation rate | 40.0% | 76.9%-36.9pp | 81.5%-41.5pp | 67.7%-27.7pp |
| Annual return | 11.12% | 37.24%-26.1pp | 49.41%-38.3pp | 35.65%-24.5pp |
| Employer contribution / active EE | $1,731 | $2,801-38.2% | $3,942-56.1% | $2,756-37.2% |
| Participant deferral / active EE | $2,807 | $6,818-58.8% | $8,087-65.3% | $4,299-34.7% |
| Admin fee / account holder | $3,007 | $5,887-48.9% | $7,899-61.9% | $6,940-56.7% |