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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 | $41,187 | $72,269-43.0% | $101,271-59.3% | $79,852-48.4% |
| Participation rate | 69.0% | 68.5%+0.5pp | 75.8%-6.8pp | 69.6%-0.7pp |
| Annual return | 10.49% | 22.29%-11.8pp | 46.48%-36.0pp | 31.72%-21.2pp |
| Employer contribution / active EE | $1,235 | $2,692-54.1% | $3,660-66.2% | $2,471-50.0% |
| Participant deferral / active EE | $1,375 | $3,282-58.1% | $4,371-68.5% | $3,740-63.2% |
| Admin fee / account holder | $2,942 | $4,401-33.1% | $5,948-50.5% | $5,306-44.6% |