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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 | $55,569 | $93,617-40.6% | $135,982-59.1% | $75,177-26.1% |
| Participation rate | 46.7% | 75.2%-28.5pp | 81.9%-35.3pp | 67.2%-20.5pp |
| Annual return | 14.45% | 30.89%-16.4pp | 68.32%-53.9pp | 160.75%-146.3pp |
| Employer contribution / active EE | $1,333 | $3,538-62.3% | $4,859-72.6% | $2,671-50.1% |
| Participant deferral / active EE | $1,869 | $6,406-70.8% | $7,760-75.9% | $4,126-54.7% |
| Admin fee / account holder | $4,134 | $6,980-40.8% | $10,767-61.6% | $5,651-26.8% |