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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 | $53,731 | $58,851-8.7% | $115,170-53.3% | $72,975-26.4% |
| Participation rate | 34.9% | 65.5%-30.7pp | 75.9%-41.0pp | 69.5%-34.6pp |
| Annual return | 2.77% | 23.16%-20.4pp | 35.60%-32.8pp | 81.01%-78.2pp |
| Employer contribution / active EE | $1,863 | $1,798+3.6% | $3,179-41.4% | $2,440-23.7% |
| Participant deferral / active EE | $732 | $2,643-72.3% | $4,169-82.4% | $3,608-79.7% |
| Admin fee / account holder | $823 | $6,370-87.1% | $7,089-88.4% | $5,124-83.9% |