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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 | $68,606 | $99,875-31.3% | $146,866-53.3% | $86,983-21.1% |
| Participation rate | 23.5% | 75.8%-52.3pp | 82.5%-59.0pp | 69.5%-46.0pp |
| Annual return | 10.92% | 28.10%-17.2pp | 102.85%-91.9pp | 25.83%-14.9pp |
| Employer contribution / active EE | $1,037 | $3,224-67.8% | $4,425-76.6% | $2,584-59.9% |
| Participant deferral / active EE | $2,214 | $6,322-65.0% | $7,759-71.5% | $4,194-47.2% |
| Admin fee / account holder | $14,340 | $7,838+83.0% | $13,620+5.3% | $7,856+82.5% |