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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 | $37,648 | $99,875-62.3% | $146,866-74.4% | $86,983-56.7% |
| Participation rate | 41.7% | 75.8%-34.1pp | 82.5%-40.8pp | 69.5%-27.9pp |
| Annual return | 13.62% | 28.10%-14.5pp | 102.85%-89.2pp | 25.83%-12.2pp |
| Employer contribution / active EE | $614 | $3,224-81.0% | $4,425-86.1% | $2,584-76.3% |
| Participant deferral / active EE | $1,224 | $6,322-80.6% | $7,759-84.2% | $4,194-70.8% |
| Admin fee / account holder | $4,892 | $7,838-37.6% | $13,620-64.1% | $7,856-37.7% |