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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 | $81,262-51.5% | $155,602-74.6% | $80,911-51.2% |
| Participation rate | 32.7% | 66.2%-33.5pp | 78.2%-45.5pp | 67.6%-35.0pp |
| Annual return | 10.28% | 33.34%-23.1pp | 64.81%-54.5pp | 35.63%-25.4pp |
| Employer contribution / active EE | $439 | $3,102-85.9% | $4,675-90.6% | $2,756-84.1% |
| Participant deferral / active EE | $834 | $3,451-75.8% | $5,629-85.2% | $4,297-80.6% |
| Admin fee / account holder | $6,359 | $7,992-20.4% | $15,923-60.1% | $6,935-8.3% |