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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 | $42,753 | $65,364-34.6% | $92,909-54.0% | $72,975-41.4% |
| Participation rate | 63.4% | 68.3%-4.9pp | 76.0%-12.6pp | 69.5%-6.1pp |
| Annual return | 3.04% | 42.11%-39.1pp | 109.44%-106.4pp | 81.01%-78.0pp |
| Employer contribution / active EE | $3,138 | $2,594+20.9% | $3,653-14.1% | $2,440+28.6% |
| Participant deferral / active EE | $0 | $3,128-100.0% | $4,238-100.0% | $3,608-100.0% |
| Admin fee / account holder | $3,636 | $4,251-14.5% | $5,795-37.3% | $5,124-29.0% |