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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 | $72,069 | $91,474-21.2% | $135,982-47.0% | $71,529+0.8% |
| Participation rate | 47.1% | 75.7%-28.6pp | 81.9%-34.8pp | 67.9%-20.8pp |
| Annual return | 11.61% | 29.89%-18.3pp | 68.32%-56.7pp | 28.97%-17.4pp |
| Employer contribution / active EE | $1,251 | $3,705-66.2% | $4,859-74.2% | $2,590-51.7% |
| Participant deferral / active EE | $2,497 | $7,095-64.8% | $7,760-67.8% | $4,291-41.8% |
| Admin fee / account holder | $743 | $1,267-41.4% | $10,767-93.1% | $1,588-53.2% |