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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 | $56,672 | $76,551-26.0% | $123,894-54.3% | $62,881-9.9% |
| Participation rate | 34.5% | 73.0%-38.5pp | 81.4%-46.9pp | 69.3%-34.8pp |
| Annual return | 5.40% | 18.68%-13.3pp | 47.52%-42.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,009 | $2,882-65.0% | $4,617-78.1% | $2,281-55.8% |
| Participant deferral / active EE | $1,726 | $4,840-64.3% | $5,984-71.2% | $3,203-46.1% |
| Admin fee / account holder | $26,495 | $4,826+449.0% | $8,357+217.0% | $4,296+516.8% |