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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 | $105,607 | $83,485+26.5% | $125,195-15.6% | $72,976+44.7% |
| Participation rate | 28.0% | 73.3%-45.3pp | 79.8%-51.8pp | 69.5%-41.5pp |
| Annual return | 15.76% | 25.77%-10.0pp | 43.79%-28.0pp | 81.02%-65.3pp |
| Employer contribution / active EE | $1,018 | $2,346-56.6% | $3,866-73.7% | $2,440-58.3% |
| Participant deferral / active EE | $1,616 | $3,586-54.9% | $4,937-67.3% | $3,608-55.2% |
| Admin fee / account holder | $935 | $5,518-83.1% | $9,704-90.4% | $5,124-81.7% |