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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 | $63,594 | $110,137-42.3% | $161,149-60.5% | $82,637-23.0% |
| Participation rate | 37.9% | 72.4%-34.4pp | 78.8%-40.9pp | 68.1%-30.1pp |
| Annual return | 10.93% | 20.69%-9.8pp | 21.16%-10.2pp | 53.51%-42.6pp |
| Employer contribution / active EE | $1,377 | $2,856-51.8% | $4,360-68.4% | $2,552-46.0% |
| Participant deferral / active EE | $1,841 | $4,575-59.7% | $6,153-70.1% | $4,126-55.4% |
| Admin fee / account holder | $543 | $9,467-94.3% | $15,194-96.4% | $7,339-92.6% |