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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 | $50,987 | $114,712-55.6% | $173,730-70.7% | $87,485-41.7% |
| Participation rate | 47.9% | 73.0%-25.1pp | 79.6%-31.7pp | 68.9%-21.0pp |
| Annual return | 11.62% | 20.18%-8.6pp | 19.96%-8.3pp | 26.06%-14.4pp |
| Employer contribution / active EE | $913 | $2,904-68.6% | $4,577-80.1% | $2,596-64.9% |
| Participant deferral / active EE | $1,747 | $4,642-62.4% | $6,326-72.4% | $4,274-59.1% |
| Admin fee / account holder | $1,538 | $10,210-84.9% | $17,523-91.2% | $7,775-80.2% |