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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 | $48,747 | $76,551-36.3% | $123,894-60.7% | $62,881-22.5% |
| Participation rate | 21.2% | 73.0%-51.8pp | 81.4%-60.2pp | 69.3%-48.1pp |
| Annual return | 1.56% | 18.68%-17.1pp | 47.52%-46.0pp | 20.14%-18.6pp |
| Employer contribution / active EE | $605 | $2,882-79.0% | $4,617-86.9% | $2,281-73.5% |
| Participant deferral / active EE | $1,164 | $4,840-75.9% | $5,984-80.5% | $3,203-63.7% |
| Admin fee / account holder | $3,774 | $4,826-21.8% | $8,357-54.8% | $4,296-12.1% |