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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 | $71,353-35.0% | $92,805-50.0% | $86,983-46.7% |
| Participation rate | 54.5% | 80.9%-26.3pp | 83.5%-29.0pp | 69.5%-15.0pp |
| Annual return | 11.42% | 44.68%-33.3pp | 31.59%-20.2pp | 25.83%-14.4pp |
| Employer contribution / active EE | $1,239 | $2,468-49.8% | $3,424-63.8% | $2,584-52.1% |
| Participant deferral / active EE | $3,009 | $6,966-56.8% | $8,448-64.4% | $4,194-28.2% |
| Admin fee / account holder | $8,936 | $6,099+46.5% | $10,911-18.1% | $7,856+13.7% |