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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 | $46,375 | $83,061-44.2% | $126,068-63.2% | $94,015-50.7% |
| Participation rate | 54.5% | 81.2%-26.6pp | 84.7%-30.2pp | 70.8%-16.3pp |
| Annual return | 11.42% | 20.41%-9.0pp | 15.01%-3.6pp | 17.84%-6.4pp |
| Employer contribution / active EE | $1,239 | $2,864-56.7% | $3,968-68.8% | $2,790-55.6% |
| Participant deferral / active EE | $3,009 | $7,042-57.3% | $8,214-63.4% | $4,249-29.2% |
| Admin fee / account holder | $8,936 | $7,208+24.0% | $18,264-51.1% | $8,951-0.2% |