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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 | $49,661 | $76,551-35.1% | $123,894-59.9% | $62,881-21.0% |
| Participation rate | 39.3% | 73.0%-33.7pp | 81.4%-42.1pp | 69.3%-30.0pp |
| Annual return | 5.82% | 18.68%-12.9pp | 47.52%-41.7pp | 20.14%-14.3pp |
| Employer contribution / active EE | $779 | $2,882-73.0% | $4,617-83.1% | $2,281-65.8% |
| Participant deferral / active EE | $1,819 | $4,840-62.4% | $5,984-69.6% | $3,203-43.2% |
| Admin fee / account holder | $10,726 | $4,826+122.3% | $8,357+28.3% | $4,296+149.7% |