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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 | $33,930 | $77,920-56.5% | $149,723-77.3% | $75,177-54.9% |
| Participation rate | 55.2% | 65.6%-10.4pp | 78.8%-23.6pp | 67.2%-12.0pp |
| Annual return | 12.95% | 31.72%-18.8pp | 134.50%-121.6pp | 160.75%-147.8pp |
| Employer contribution / active EE | $915 | $3,138-70.8% | $4,821-81.0% | $2,671-65.7% |
| Participant deferral / active EE | $558 | $3,411-83.7% | $5,682-90.2% | $4,126-86.5% |
| Admin fee / account holder | $4,999 | $5,951-16.0% | $13,215-62.2% | $5,651-11.5% |