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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 | $29,381 | $77,574-62.1% | $108,753-73.0% | $86,983-66.2% |
| Participation rate | 45.5% | 62.3%-16.8pp | 71.1%-25.6pp | 69.5%-24.1pp |
| Annual return | 9.32% | 18.42%-9.1pp | 37.47%-28.1pp | 25.83%-16.5pp |
| Employer contribution / active EE | $970 | $1,611-39.8% | $2,427-60.0% | $2,584-62.5% |
| Participant deferral / active EE | $1,127 | $3,128-64.0% | $4,115-72.6% | $4,194-73.1% |
| Admin fee / account holder | $3,907 | $6,529-40.2% | $10,320-62.1% | $7,856-50.3% |