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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 | $41,188 | $106,749-61.4% | $145,433-71.7% | $82,448-50.0% |
| Participation rate | 32.2% | 75.6%-43.4pp | 82.1%-49.9pp | 68.1%-35.9pp |
| Annual return | 13.57% | 27.59%-14.0pp | 66.58%-53.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $848 | $3,444-75.4% | $4,554-81.4% | $2,551-66.8% |
| Participant deferral / active EE | $1,289 | $6,519-80.2% | $7,897-83.7% | $4,139-68.9% |
| Admin fee / account holder | $1,384 | $8,390-83.5% | $13,129-89.5% | $7,234-80.9% |