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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 | $37,686 | $89,652-58.0% | $141,197-73.3% | $65,186-42.2% |
| Participation rate | 33.6% | 74.7%-41.1pp | 82.5%-48.8pp | 70.2%-36.6pp |
| Annual return | 17.73% | 32.79%-15.1pp | 71.41%-53.7pp | 29.39%-11.7pp |
| Employer contribution / active EE | $1,885 | $3,065-38.5% | $4,736-60.2% | $2,177-13.4% |
| Participant deferral / active EE | $926 | $5,691-83.7% | $6,710-86.2% | $3,514-73.6% |
| Admin fee / account holder | $6,746 | $569+1086.5% | $10,265-34.3% | $847+696.2% |