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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 | $81,201 | $106,524-23.8% | $152,301-46.7% | $87,485-7.2% |
| Participation rate | 29.7% | 75.8%-46.0pp | 82.4%-52.7pp | 68.9%-39.2pp |
| Annual return | 12.18% | 26.89%-14.7pp | 80.50%-68.3pp | 26.06%-13.9pp |
| Employer contribution / active EE | $616 | $3,371-81.7% | $4,624-86.7% | $2,596-76.3% |
| Participant deferral / active EE | $1,171 | $6,525-82.1% | $8,004-85.4% | $4,274-72.6% |
| Admin fee / account holder | $18,928 | $8,287+128.4% | $14,398+31.5% | $7,775+143.5% |