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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 | $34,972 | $81,504-57.1% | $102,437-65.9% | $80,959-56.8% |
| Participation rate | 54.8% | 66.9%-12.0pp | 74.5%-19.7pp | 67.7%-12.8pp |
| Annual return | 9.46% | 25.60%-16.1pp | 24.95%-15.5pp | 35.67%-26.2pp |
| Employer contribution / active EE | $1,525 | $3,104-50.9% | $3,871-60.6% | $2,757-44.7% |
| Participant deferral / active EE | $1,411 | $3,871-63.6% | $5,060-72.1% | $4,300-67.2% |
| Admin fee / account holder | $5,839 | $6,719-13.1% | $8,388-30.4% | $6,925-15.7% |