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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 | $31,355 | $101,778-69.2% | $164,975-81.0% | $80,925-61.3% |
| Participation rate | 51.2% | 71.8%-20.6pp | 78.6%-27.4pp | 67.7%-16.4pp |
| Annual return | 6.36% | 16.73%-10.4pp | 70.12%-63.8pp | 35.65%-29.3pp |
| Employer contribution / active EE | $1,169 | $2,954-60.4% | $4,343-73.1% | $2,756-57.6% |
| Participant deferral / active EE | $1,462 | $4,477-67.3% | $6,033-75.8% | $4,299-66.0% |
| Admin fee / account holder | $1,975 | $8,221-76.0% | $12,688-84.4% | $6,940-71.5% |