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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 | $74,535-60.6% | $100,712-70.8% | $82,637-64.4% |
| Participation rate | 45.5% | 61.2%-15.7pp | 69.3%-23.8pp | 68.1%-22.6pp |
| Annual return | 9.32% | 18.92%-9.6pp | 33.27%-23.9pp | 53.51%-44.2pp |
| Employer contribution / active EE | $970 | $1,503-35.4% | $2,313-58.0% | $2,552-62.0% |
| Participant deferral / active EE | $1,127 | $3,074-63.3% | $4,085-72.4% | $4,126-72.7% |
| Admin fee / account holder | $3,907 | $6,576-40.6% | $9,256-57.8% | $7,339-46.8% |