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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 | $53,837 | $95,453-43.6% | $112,040-51.9% | $82,448-34.7% |
| Participation rate | 57.6% | 72.8%-15.1pp | 76.5%-18.9pp | 68.1%-10.4pp |
| Annual return | 9.57% | 23.92%-14.4pp | 24.52%-14.9pp | 41.64%-32.1pp |
| Employer contribution / active EE | $770 | $2,318-66.8% | $2,954-73.9% | $2,551-69.8% |
| Participant deferral / active EE | $1,773 | $4,224-58.0% | $5,098-65.2% | $4,139-57.2% |
| Admin fee / account holder | $14,001 | $9,013+55.3% | $12,098+15.7% | $7,234+93.5% |