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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 | $65,412 | $106,524-38.6% | $152,301-57.1% | $87,485-25.2% |
| Participation rate | 65.7% | 75.8%-10.0pp | 82.4%-16.7pp | 68.9%-3.2pp |
| Annual return | 12.06% | 26.89%-14.8pp | 80.50%-68.4pp | 26.06%-14.0pp |
| Employer contribution / active EE | $1,102 | $3,371-67.3% | $4,624-76.2% | $2,596-57.6% |
| Participant deferral / active EE | $1,979 | $6,525-69.7% | $8,004-75.3% | $4,274-53.7% |
| Admin fee / account holder | $5,147 | $8,287-37.9% | $14,398-64.3% | $7,775-33.8% |