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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 | $61,321 | $106,749-42.6% | $145,433-57.8% | $82,448-25.6% |
| Participation rate | 46.2% | 75.6%-29.5pp | 82.1%-36.0pp | 68.1%-21.9pp |
| Annual return | 11.40% | 27.59%-16.2pp | 66.58%-55.2pp | 41.64%-30.2pp |
| Employer contribution / active EE | $1,321 | $3,444-61.7% | $4,554-71.0% | $2,551-48.2% |
| Participant deferral / active EE | $1,458 | $6,519-77.6% | $7,897-81.5% | $4,139-64.8% |
| Admin fee / account holder | $1,481 | $8,390-82.4% | $13,129-88.7% | $7,234-79.5% |