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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 | $61,843 | $93,589-33.9% | $135,942-54.5% | $75,181-17.7% |
| Participation rate | 47.2% | 75.2%-28.0pp | 81.9%-34.7pp | 67.2%-20.0pp |
| Annual return | 11.81% | 30.90%-19.1pp | 68.28%-56.5pp | 160.69%-148.9pp |
| Employer contribution / active EE | $1,137 | $3,537-67.8% | $4,858-76.6% | $2,671-57.4% |
| Participant deferral / active EE | $2,032 | $6,405-68.3% | $7,759-73.8% | $4,126-50.7% |
| Admin fee / account holder | $20,028 | $6,977+187.0% | $10,764+86.1% | $5,650+254.5% |