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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 | $32,043 | $69,590-54.0% | $136,867-76.6% | $94,015-65.9% |
| Participation rate | 42.9% | 66.3%-23.5pp | 74.5%-31.7pp | 70.8%-28.0pp |
| Annual return | 10.14% | 19.62%-9.5pp | 42.97%-32.8pp | 17.84%-7.7pp |
| Employer contribution / active EE | $1,742 | $2,396-27.3% | $3,547-50.9% | $2,790-37.6% |
| Participant deferral / active EE | $686 | $3,437-80.1% | $4,924-86.1% | $4,249-83.9% |
| Admin fee / account holder | $1,079 | $8,912-87.9% | $10,340-89.6% | $8,951-87.9% |