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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 | $92,940 | $106,280-12.6% | $96,538-3.7% | $139,487-33.4% |
| Participation rate | 38.9% | 77.8%-39.0pp | 74.3%-35.5pp | 80.3%-41.4pp |
| Annual return | 10.72% | 38.48%-27.8pp | 35.74%-25.0pp | 373.84%-363.1pp |
| Employer contribution / active EE | $1,091 | $4,107-73.4% | $3,740-70.8% | $4,755-77.0% |
| Participant deferral / active EE | $1,365 | $5,457-75.0% | $4,880-72.0% | $6,713-79.7% |
| Admin fee / account holder | $1,207 | $7,888-84.7% | $6,737-82.1% | $11,407-89.4% |