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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 | $71,353-48.0% | $92,805-60.0% | $86,983-57.3% |
| Participation rate | 59.5% | 80.9%-21.4pp | 83.5%-24.1pp | 69.5%-10.1pp |
| Annual return | 12.55% | 44.68%-32.1pp | 31.59%-19.0pp | 25.83%-13.3pp |
| Employer contribution / active EE | $1,458 | $2,468-40.9% | $3,424-57.4% | $2,584-43.6% |
| Participant deferral / active EE | $2,490 | $6,966-64.3% | $8,448-70.5% | $4,194-40.6% |
| Admin fee / account holder | $13,123 | $6,099+115.2% | $10,911+20.3% | $7,856+67.1% |