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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 | $53,485 | $95,453-44.0% | $112,040-52.3% | $82,448-35.1% |
| Participation rate | 52.8% | 72.8%-20.0pp | 76.5%-23.7pp | 68.1%-15.3pp |
| Annual return | 9.21% | 23.92%-14.7pp | 24.52%-15.3pp | 41.64%-32.4pp |
| Employer contribution / active EE | $904 | $2,318-61.0% | $2,954-69.4% | $2,551-64.6% |
| Participant deferral / active EE | $1,312 | $4,224-68.9% | $5,098-74.3% | $4,139-68.3% |
| Admin fee / account holder | $1,704 | $9,013-81.1% | $12,098-85.9% | $7,234-76.4% |