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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 | $106,749-39.8% | $145,433-55.8% | $82,448-22.0% |
| Participation rate | 40.0% | 75.6%-35.6pp | 82.1%-42.1pp | 68.1%-28.1pp |
| Annual return | 12.16% | 27.59%-15.4pp | 66.58%-54.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,181 | $3,444-65.7% | $4,554-74.1% | $2,551-53.7% |
| Participant deferral / active EE | $1,916 | $6,519-70.6% | $7,897-75.7% | $4,139-53.7% |
| Admin fee / account holder | $13,792 | $8,390+64.4% | $13,129+5.1% | $7,234+90.6% |