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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 | $47,785 | $76,371-37.4% | $93,621-49.0% | $72,975-34.5% |
| Participation rate | 26.3% | 71.8%-45.4pp | 75.8%-49.5pp | 69.5%-43.2pp |
| Annual return | 13.10% | 25.82%-12.7pp | 32.76%-19.7pp | 81.01%-67.9pp |
| Employer contribution / active EE | $837 | $2,276-63.2% | $2,719-69.2% | $2,440-65.7% |
| Participant deferral / active EE | $1,265 | $3,538-64.2% | $4,070-68.9% | $3,608-64.9% |
| Admin fee / account holder | $3,922 | $6,839-42.7% | $7,890-50.3% | $5,124-23.5% |