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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 | $41,636 | $135,956-69.4% | $123,894-66.4% | $273,972-84.8% |
| Participation rate | 22.7% | 84.1%-61.3pp | 81.4%-58.7pp | 83.0%-60.3pp |
| Annual return | 0.75% | 56.63%-55.9pp | 47.52%-46.8pp | 41.46%-40.7pp |
| Employer contribution / active EE | $828 | $5,170-84.0% | $4,617-82.1% | $4,869-83.0% |
| Participant deferral / active EE | $1,023 | $6,343-83.9% | $5,984-82.9% | $5,287-80.7% |
| Admin fee / account holder | $567 | $9,817-94.2% | $8,357-93.2% | $10,133-94.4% |