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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 | $55,418 | $82,879-33.1% | $96,576-42.6% | $67,986-18.5% |
| Participation rate | 43.0% | 75.2%-32.2pp | 81.4%-38.4pp | 57.2%-14.2pp |
| Annual return | 12.47% | 36.90%-24.4pp | 38.47%-26.0pp | 31.67%-19.2pp |
| Employer contribution / active EE | $1,393 | $2,727-48.9% | $3,553-60.8% | $2,019-31.0% |
| Participant deferral / active EE | $1,793 | $6,976-74.3% | $7,956-77.5% | $3,358-46.6% |
| Admin fee / account holder | $1,806 | $2,783-35.1% | $11,381-84.1% | $3,203-43.6% |