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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 | $44,558 | $48,078-7.3% | $78,676-43.4% | $62,881-29.1% |
| Participation rate | 29.6% | 65.2%-35.6pp | 73.6%-43.9pp | 69.3%-39.7pp |
| Annual return | 4.36% | 31.36%-27.0pp | 62.19%-57.8pp | 20.14%-15.8pp |
| Employer contribution / active EE | $527 | $2,015-73.9% | $2,850-81.5% | $2,281-76.9% |
| Participant deferral / active EE | $527 | $2,587-79.6% | $3,517-85.0% | $3,203-83.6% |
| Admin fee / account holder | $10,464 | $3,206+226.4% | $4,510+132.0% | $4,296+143.6% |