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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 | $32,820 | $81,476-59.7% | $102,383-67.9% | $80,925-59.4% |
| Participation rate | 69.0% | 66.8%+2.2pp | 74.5%-5.5pp | 67.7%+1.4pp |
| Annual return | 8.88% | 25.59%-16.7pp | 24.94%-16.1pp | 35.65%-26.8pp |
| Employer contribution / active EE | $1,223 | $3,105-60.6% | $3,870-68.4% | $2,756-55.6% |
| Participant deferral / active EE | $1,562 | $3,871-59.7% | $5,060-69.1% | $4,299-63.7% |
| Admin fee / account holder | $1,627 | $6,717-75.8% | $8,391-80.6% | $6,940-76.6% |