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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 | $41,722 | $106,749-60.9% | $145,433-71.3% | $82,448-49.4% |
| Participation rate | 44.7% | 75.6%-30.9pp | 82.1%-37.4pp | 68.1%-23.3pp |
| Annual return | 13.72% | 27.59%-13.9pp | 66.58%-52.9pp | 41.64%-27.9pp |
| Employer contribution / active EE | $865 | $3,444-74.9% | $4,554-81.0% | $2,551-66.1% |
| Participant deferral / active EE | $1,685 | $6,519-74.2% | $7,897-78.7% | $4,139-59.3% |
| Admin fee / account holder | $2,946 | $8,390-64.9% | $13,129-77.6% | $7,234-59.3% |