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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 | $38,307 | $101,763-62.4% | $164,866-76.8% | $80,874-52.6% |
| Participation rate | 37.8% | 71.8%-34.0pp | 78.6%-40.8pp | 67.6%-29.8pp |
| Annual return | 10.46% | 16.73%-6.3pp | 69.97%-59.5pp | 35.62%-25.2pp |
| Employer contribution / active EE | $830 | $2,954-71.9% | $4,343-80.9% | $2,756-69.9% |
| Participant deferral / active EE | $1,148 | $4,477-74.4% | $6,033-81.0% | $4,297-73.3% |
| Admin fee / account holder | $4,239 | $8,228-48.5% | $12,689-66.6% | $6,935-38.9% |