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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 | $55,522 | $135,956-59.2% | $123,894-55.2% | $273,972-79.7% |
| Participation rate | 34.8% | 84.1%-49.3pp | 81.4%-46.6pp | 83.0%-48.2pp |
| Annual return | 1.73% | 56.63%-54.9pp | 47.52%-45.8pp | 41.46%-39.7pp |
| Employer contribution / active EE | $1,897 | $5,170-63.3% | $4,617-58.9% | $4,869-61.0% |
| Participant deferral / active EE | $468 | $6,343-92.6% | $5,984-92.2% | $5,287-91.1% |
| Admin fee / account holder | $381 | $9,817-96.1% | $8,357-95.4% | $10,133-96.2% |