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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 | $106,864-37.9% | $147,318-54.9% | $82,637-19.7% |
| Participation rate | 52.6% | 75.5%-22.9pp | 82.1%-29.4pp | 68.1%-15.4pp |
| Annual return | 13.80% | 27.49%-13.7pp | 70.43%-56.6pp | 53.51%-39.7pp |
| Employer contribution / active EE | $1,044 | $3,417-69.4% | $4,593-77.3% | $2,552-59.1% |
| Participant deferral / active EE | $2,222 | $6,496-65.8% | $7,906-71.9% | $4,126-46.1% |
| Admin fee / account holder | $9,219 | $8,415+9.6% | $13,708-32.7% | $7,339+25.6% |