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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 | $68,452 | $110,137-37.8% | $161,149-57.5% | $82,637-17.2% |
| Participation rate | 38.5% | 72.4%-33.9pp | 78.8%-40.4pp | 68.1%-29.6pp |
| Annual return | 12.27% | 20.69%-8.4pp | 21.16%-8.9pp | 53.51%-41.2pp |
| Employer contribution / active EE | $868 | $2,856-69.6% | $4,360-80.1% | $2,552-66.0% |
| Participant deferral / active EE | $1,089 | $4,575-76.2% | $6,153-82.3% | $4,126-73.6% |
| Admin fee / account holder | $1,456 | $9,467-84.6% | $15,194-90.4% | $7,339-80.2% |