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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 | $42,514 | $117,829-63.9% | $102,423-58.5% | $145,877-70.9% |
| Participation rate | 52.4% | 78.6%-26.2pp | 76.5%-24.1pp | 80.3%-27.9pp |
| Annual return | 5.10% | 31.83%-26.7pp | 29.42%-24.3pp | 551.28%-546.2pp |
| Employer contribution / active EE | $882 | $3,615-75.6% | $3,023-70.8% | $4,663-81.1% |
| Participant deferral / active EE | $1,641 | $5,732-71.4% | $5,054-67.5% | $6,691-75.5% |
| Admin fee / account holder | $3,301 | $13,335-75.2% | $9,455-65.1% | $13,402-75.4% |