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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 | $66,378 | $106,524-37.7% | $152,301-56.4% | $87,485-24.1% |
| Participation rate | 52.6% | 75.8%-23.1pp | 82.4%-29.8pp | 68.9%-16.3pp |
| Annual return | 13.80% | 26.89%-13.1pp | 80.50%-66.7pp | 26.06%-12.3pp |
| Employer contribution / active EE | $1,044 | $3,371-69.0% | $4,624-77.4% | $2,596-59.8% |
| Participant deferral / active EE | $2,222 | $6,525-65.9% | $8,004-72.2% | $4,274-48.0% |
| Admin fee / account holder | $9,219 | $8,287+11.2% | $14,398-36.0% | $7,775+18.6% |