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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 | $76,067 | $95,453-20.3% | $112,040-32.1% | $82,448-7.7% |
| Participation rate | 56.1% | 72.8%-16.7pp | 76.5%-20.4pp | 68.1%-12.0pp |
| Annual return | 11.11% | 23.92%-12.8pp | 24.52%-13.4pp | 41.64%-30.5pp |
| Employer contribution / active EE | $764 | $2,318-67.1% | $2,954-74.2% | $2,551-70.1% |
| Participant deferral / active EE | $1,616 | $4,224-61.7% | $5,098-68.3% | $4,139-61.0% |
| Admin fee / account holder | $11,005 | $9,013+22.1% | $12,098-9.0% | $7,234+52.1% |