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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 | $37,111 | $78,197-52.5% | $98,090-62.2% | $82,637-55.1% |
| Participation rate | 59.5% | 77.5%-18.0pp | 81.5%-22.1pp | 68.1%-8.6pp |
| Annual return | 12.55% | 40.25%-27.7pp | 37.05%-24.5pp | 53.51%-41.0pp |
| Employer contribution / active EE | $1,458 | $2,605-44.0% | $3,606-59.6% | $2,552-42.9% |
| Participant deferral / active EE | $2,490 | $6,636-62.5% | $7,845-68.3% | $4,126-39.7% |
| Admin fee / account holder | $13,123 | $14,832-11.5% | $11,815+11.1% | $7,339+78.8% |