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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 | $52,273 | $75,541-30.8% | $152,093-65.6% | $82,637-36.7% |
| Participation rate | 26.3% | 66.5%-40.2pp | 77.8%-51.5pp | 68.1%-41.7pp |
| Annual return | 12.75% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.8pp |
| Employer contribution / active EE | $468 | $2,622-82.2% | $4,175-88.8% | $2,552-81.7% |
| Participant deferral / active EE | $752 | $3,206-76.5% | $5,451-86.2% | $4,126-81.8% |
| Admin fee / account holder | $4,127 | $6,405-35.6% | $14,497-71.5% | $7,339-43.8% |