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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 | $46,643 | $81,331-42.7% | $155,534-70.0% | $80,935-42.4% |
| Participation rate | 37.5% | 66.3%-28.8pp | 78.2%-40.7pp | 67.7%-30.2pp |
| Annual return | 10.37% | 33.37%-23.0pp | 64.92%-54.5pp | 35.66%-25.3pp |
| Employer contribution / active EE | $933 | $3,105-69.9% | $4,675-80.0% | $2,757-66.1% |
| Participant deferral / active EE | $0 | $3,454-100.0% | $5,630-100.0% | $4,299-100.0% |
| Admin fee / account holder | $4,272 | $7,999-46.6% | $15,900-73.1% | $6,924-38.3% |