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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 | $100,194-24.1% | $122,979-38.1% | $86,983-12.6% |
| Participation rate | 56.1% | 73.0%-16.9pp | 77.2%-21.1pp | 69.5%-13.5pp |
| Annual return | 11.11% | 16.47%-5.4pp | 20.12%-9.0pp | 25.83%-14.7pp |
| Employer contribution / active EE | $764 | $2,326-67.2% | $3,062-75.1% | $2,584-70.5% |
| Participant deferral / active EE | $1,616 | $4,133-60.9% | $5,003-67.7% | $4,194-61.5% |
| Admin fee / account holder | $11,005 | $10,148+8.4% | $12,864-14.5% | $7,856+40.1% |