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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 | $48,942 | $67,606-27.6% | $82,313-40.5% | $70,131-30.2% |
| Participation rate | 43.3% | 72.8%-29.4pp | 76.9%-33.6pp | 69.5%-26.2pp |
| Annual return | 3.82% | 21.57%-17.7pp | 25.88%-22.1pp | 73.14%-69.3pp |
| Employer contribution / active EE | $490 | $1,755-72.1% | $2,428-79.8% | $2,342-79.1% |
| Participant deferral / active EE | $774 | $2,987-74.1% | $3,706-79.1% | $3,332-76.8% |
| Admin fee / account holder | $1,372 | $4,512-69.6% | $5,608-75.5% | $4,645-70.5% |