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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 | $69,297 | $86,940-20.3% | $102,434-32.3% | $80,935-14.4% |
| Participation rate | 41.2% | 72.4%-31.2pp | 76.5%-35.3pp | 67.7%-26.5pp |
| Annual return | 10.05% | 18.89%-8.8pp | 29.46%-19.4pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,123 | $2,370-52.6% | $3,023-62.9% | $2,757-59.3% |
| Participant deferral / active EE | $1,428 | $4,121-65.3% | $5,055-71.8% | $4,299-66.8% |
| Admin fee / account holder | $9,654 | $8,047+20.0% | $9,462+2.0% | $6,924+39.4% |