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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 | $83,002-33.2% | $98,090-43.5% | $64,097-13.5% |
| Participation rate | 43.0% | 75.0%-32.0pp | 81.5%-38.5pp | 55.2%-12.2pp |
| Annual return | 12.47% | 38.51%-26.0pp | 37.05%-24.6pp | 34.64%-22.2pp |
| Employer contribution / active EE | $1,393 | $2,749-49.3% | $3,606-61.4% | $1,891-26.3% |
| Participant deferral / active EE | $1,793 | $6,787-73.6% | $7,845-77.1% | $3,080-41.8% |
| Admin fee / account holder | $1,806 | $3,015-40.1% | $11,815-84.7% | $3,454-47.7% |