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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 | $41,438 | $78,423-47.2% | $95,964-56.8% | $79,856-48.1% |
| Participation rate | 32.2% | 73.5%-41.3pp | 77.1%-44.9pp | 69.6%-37.4pp |
| Annual return | 3.59% | 19.37%-15.8pp | 91.64%-88.1pp | 31.71%-28.1pp |
| Employer contribution / active EE | $778 | $1,945-60.0% | $2,541-69.4% | $2,471-68.5% |
| Participant deferral / active EE | $1,352 | $3,440-60.7% | $4,167-67.6% | $3,741-63.9% |
| Admin fee / account holder | $7,396 | $5,622+31.6% | $6,797+8.8% | $5,306+39.4% |