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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 | $41,581 | $76,551-45.7% | $123,894-66.4% | $62,881-33.9% |
| Participation rate | 47.9% | 73.0%-25.1pp | 81.4%-33.5pp | 69.3%-21.4pp |
| Annual return | 3.52% | 18.68%-15.2pp | 47.52%-44.0pp | 20.14%-16.6pp |
| Employer contribution / active EE | $2,140 | $2,882-25.7% | $4,617-53.6% | $2,281-6.2% |
| Participant deferral / active EE | $1,027 | $4,840-78.8% | $5,984-82.8% | $3,203-67.9% |
| Admin fee / account holder | $896 | $4,826-81.4% | $8,357-89.3% | $4,296-79.1% |