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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 | $51,085 | $67,602-24.4% | $82,312-37.9% | $70,126-27.2% |
| Participation rate | 52.0% | 72.8%-20.8pp | 76.9%-24.9pp | 69.5%-17.5pp |
| Annual return | 10.13% | 21.57%-11.4pp | 25.88%-15.7pp | 73.15%-63.0pp |
| Employer contribution / active EE | $1,025 | $1,755-41.6% | $2,428-57.8% | $2,343-56.3% |
| Participant deferral / active EE | $1,283 | $2,987-57.1% | $3,706-65.4% | $3,332-61.5% |
| Admin fee / account holder | $1,556 | $4,512-65.5% | $5,608-72.3% | $4,645-66.5% |