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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 | $64,730 | $106,749-39.4% | $145,433-55.5% | $82,448-21.5% |
| Participation rate | 51.3% | 75.6%-24.4pp | 82.1%-30.8pp | 68.1%-16.8pp |
| Annual return | 9.31% | 27.59%-18.3pp | 66.58%-57.3pp | 41.64%-32.3pp |
| Employer contribution / active EE | $1,161 | $3,444-66.3% | $4,554-74.5% | $2,551-54.5% |
| Participant deferral / active EE | $2,135 | $6,519-67.3% | $7,897-73.0% | $4,139-48.4% |
| Admin fee / account holder | $7,142 | $8,390-14.9% | $13,129-45.6% | $7,234-1.3% |