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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 | $43,446 | $106,524-59.2% | $152,301-71.5% | $87,485-50.3% |
| Participation rate | 28.6% | 75.8%-47.2pp | 82.4%-53.9pp | 68.9%-40.4pp |
| Annual return | 10.14% | 26.89%-16.7pp | 80.50%-70.4pp | 26.06%-15.9pp |
| Employer contribution / active EE | $659 | $3,371-80.5% | $4,624-85.7% | $2,596-74.6% |
| Participant deferral / active EE | $1,498 | $6,525-77.0% | $8,004-81.3% | $4,274-64.9% |
| Admin fee / account holder | $8,773 | $8,287+5.9% | $14,398-39.1% | $7,775+12.8% |