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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 | $39,445 | $81,276-51.5% | $155,574-74.6% | $80,925-51.3% |
| Participation rate | 32.7% | 66.2%-33.6pp | 78.2%-45.5pp | 67.7%-35.0pp |
| Annual return | 10.28% | 33.36%-23.1pp | 64.87%-54.6pp | 35.65%-25.4pp |
| Employer contribution / active EE | $439 | $3,103-85.9% | $4,676-90.6% | $2,756-84.1% |
| Participant deferral / active EE | $834 | $3,453-75.9% | $5,629-85.2% | $4,299-80.6% |
| Admin fee / account holder | $6,359 | $7,993-20.4% | $15,914-60.0% | $6,940-8.4% |