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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 | $83,189 | $95,453-12.8% | $112,040-25.8% | $82,448+0.9% |
| Participation rate | 46.3% | 72.8%-26.5pp | 76.5%-30.2pp | 68.1%-21.8pp |
| Annual return | 8.50% | 23.92%-15.4pp | 24.52%-16.0pp | 41.64%-33.1pp |
| Employer contribution / active EE | $1,093 | $2,318-52.8% | $2,954-63.0% | $2,551-57.1% |
| Participant deferral / active EE | $1,809 | $4,224-57.2% | $5,098-64.5% | $4,139-56.3% |
| Admin fee / account holder | $1,909 | $9,013-78.8% | $12,098-84.2% | $7,234-73.6% |