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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 | $115,931-45.1% | $185,441-65.7% | $86,983-26.9% |
| Participation rate | 37.9% | 73.6%-35.7pp | 80.3%-42.3pp | 69.5%-31.6pp |
| Annual return | 10.93% | 21.47%-10.5pp | 20.16%-9.2pp | 25.83%-14.9pp |
| Employer contribution / active EE | $1,377 | $2,937-53.1% | $4,672-70.5% | $2,584-46.7% |
| Participant deferral / active EE | $1,841 | $4,551-59.5% | $6,152-70.1% | $4,194-56.1% |
| Admin fee / account holder | $543 | $10,687-94.9% | $17,890-97.0% | $7,856-93.1% |