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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 | $60,221 | $101,798-40.8% | $165,071-63.5% | $80,935-25.6% |
| Participation rate | 45.5% | 71.8%-26.4pp | 78.6%-33.2pp | 67.7%-22.2pp |
| Annual return | 7.82% | 16.73%-8.9pp | 70.17%-62.3pp | 35.66%-27.8pp |
| Employer contribution / active EE | $898 | $2,954-69.6% | $4,347-79.3% | $2,757-67.4% |
| Participant deferral / active EE | $1,747 | $4,476-61.0% | $6,035-71.1% | $4,299-59.4% |
| Admin fee / account holder | $1,583 | $8,221-80.7% | $12,695-87.5% | $6,924-77.1% |