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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 | $64,271 | $99,875-35.6% | $146,866-56.2% | $86,983-26.1% |
| Participation rate | 40.0% | 75.8%-35.8pp | 82.5%-42.5pp | 69.5%-29.5pp |
| Annual return | 12.16% | 28.10%-15.9pp | 102.85%-90.7pp | 25.83%-13.7pp |
| Employer contribution / active EE | $1,181 | $3,224-63.4% | $4,425-73.3% | $2,584-54.3% |
| Participant deferral / active EE | $1,916 | $6,322-69.7% | $7,759-75.3% | $4,194-54.3% |
| Admin fee / account holder | $13,792 | $7,838+76.0% | $13,620+1.3% | $7,856+75.6% |