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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 | $106,864-39.9% | $147,318-56.4% | $82,637-22.2% |
| Participation rate | 40.0% | 75.5%-35.5pp | 82.1%-42.1pp | 68.1%-28.1pp |
| Annual return | 12.16% | 27.49%-15.3pp | 70.43%-58.3pp | 53.51%-41.3pp |
| Employer contribution / active EE | $1,181 | $3,417-65.4% | $4,593-74.3% | $2,552-53.7% |
| Participant deferral / active EE | $1,916 | $6,496-70.5% | $7,906-75.8% | $4,126-53.6% |
| Admin fee / account holder | $13,792 | $8,415+63.9% | $13,708+0.6% | $7,339+87.9% |