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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 | $31,320 | $124,980-74.9% | $108,359-71.1% | $154,746-79.8% |
| Participation rate | 44.4% | 75.2%-30.7pp | 70.1%-25.7pp | 80.7%-36.3pp |
| Annual return | 7.32% | 45.00%-37.7pp | 36.89%-29.6pp | 172.34%-165.0pp |
| Employer contribution / active EE | $789 | $2,851-72.3% | $2,399-67.1% | $4,379-82.0% |
| Participant deferral / active EE | $895 | $4,743-81.1% | $4,137-78.4% | $6,730-86.7% |
| Admin fee / account holder | $11,553 | $11,502+0.4% | $9,741+18.6% | $14,365-19.6% |