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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 | $51,333 | $64,920-20.9% | $103,693-50.5% | $86,983-41.0% |
| Participation rate | 24.2% | 63.6%-39.4pp | 72.6%-48.5pp | 69.5%-45.3pp |
| Annual return | 7.72% | 30.29%-22.6pp | 47.61%-39.9pp | 25.83%-18.1pp |
| Employer contribution / active EE | $488 | $2,141-77.2% | $2,920-83.3% | $2,584-81.1% |
| Participant deferral / active EE | $767 | $3,241-76.3% | $4,579-83.3% | $4,194-81.7% |
| Admin fee / account holder | $10,260 | $6,191+65.7% | $7,858+30.6% | $7,856+30.6% |