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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 | $106,524-39.2% | $152,301-57.5% | $87,485-26.0% |
| Participation rate | 51.3% | 75.8%-24.5pp | 82.4%-31.2pp | 68.9%-17.6pp |
| Annual return | 9.31% | 26.89%-17.6pp | 80.50%-71.2pp | 26.06%-16.8pp |
| Employer contribution / active EE | $1,161 | $3,371-65.6% | $4,624-74.9% | $2,596-55.3% |
| Participant deferral / active EE | $2,135 | $6,525-67.3% | $8,004-73.3% | $4,274-50.0% |
| Admin fee / account holder | $7,142 | $8,287-13.8% | $14,398-50.4% | $7,775-8.1% |