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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 | $43,945 | $80,985-45.7% | $96,576-54.5% | $75,181-41.5% |
| Participation rate | 56.7% | 71.8%-15.1pp | 76.0%-19.3pp | 67.2%-10.5pp |
| Annual return | 12.69% | 27.05%-14.4pp | 25.87%-13.2pp | 160.69%-148.0pp |
| Employer contribution / active EE | $1,171 | $2,282-48.7% | $2,965-60.5% | $2,671-56.1% |
| Participant deferral / active EE | $1,673 | $3,929-57.4% | $4,851-65.5% | $4,126-59.5% |
| Admin fee / account holder | $447 | $6,719-93.4% | $8,253-94.6% | $5,650-92.1% |