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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 | $70,872 | $76,551-7.4% | $123,894-42.8% | $62,881+12.7% |
| Participation rate | 51.6% | 73.0%-21.4pp | 81.4%-29.8pp | 69.3%-17.7pp |
| Annual return | 2.25% | 18.68%-16.4pp | 47.52%-45.3pp | 20.14%-17.9pp |
| Employer contribution / active EE | $1,326 | $2,882-54.0% | $4,617-71.3% | $2,281-41.9% |
| Participant deferral / active EE | $1,960 | $4,840-59.5% | $5,984-67.3% | $3,203-38.8% |
| Admin fee / account holder | $4,653 | $4,826-3.6% | $8,357-44.3% | $4,296+8.3% |