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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 | $97,550-22.0% | $120,344-36.8% | $87,485-13.1% |
| Participation rate | 56.1% | 72.8%-16.8pp | 76.7%-20.6pp | 68.9%-12.9pp |
| Annual return | 11.11% | 18.41%-7.3pp | 20.30%-9.2pp | 26.06%-14.9pp |
| Employer contribution / active EE | $764 | $2,291-66.7% | $3,020-74.7% | $2,596-70.6% |
| Participant deferral / active EE | $1,616 | $4,230-61.8% | $5,135-68.5% | $4,274-62.2% |
| Admin fee / account holder | $11,005 | $9,543+15.3% | $12,742-13.6% | $7,775+41.6% |