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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 | $107,421-39.7% | $182,262-64.5% | $94,015-31.1% |
| Participation rate | 51.3% | 77.8%-26.5pp | 84.2%-32.9pp | 70.8%-19.5pp |
| Annual return | 9.31% | 21.32%-12.0pp | 140.60%-131.3pp | 17.84%-8.5pp |
| Employer contribution / active EE | $1,161 | $3,448-66.3% | $5,046-77.0% | $2,790-58.4% |
| Participant deferral / active EE | $2,135 | $6,558-67.4% | $8,276-74.2% | $4,249-49.8% |
| Admin fee / account holder | $7,142 | $8,692-17.8% | $16,712-57.3% | $8,951-20.2% |