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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 | $25,340 | $86,050-70.6% | $189,758-86.6% | $94,015-73.0% |
| Participation rate | 44.2% | 68.9%-24.7pp | 79.8%-35.6pp | 70.8%-26.7pp |
| Annual return | 9.02% | 17.77%-8.8pp | 52.62%-43.6pp | 17.84%-8.8pp |
| Employer contribution / active EE | $1,015 | $2,819-64.0% | $4,767-78.7% | $2,790-63.6% |
| Participant deferral / active EE | $686 | $3,349-79.5% | $5,856-88.3% | $4,249-83.9% |
| Admin fee / account holder | $9,380 | $6,627+41.5% | $20,388-54.0% | $8,951+4.8% |