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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 | $56,153 | $88,996-36.9% | $78,004-28.0% | $138,895-59.6% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.4%-19.4pp | 79.9%-29.9pp |
| Annual return | 9.20% | 28.03%-18.8pp | 31.07%-21.9pp | 145.39%-136.2pp |
| Employer contribution / active EE | $779 | $2,917-73.3% | $2,469-68.4% | $4,194-81.4% |
| Participant deferral / active EE | $931 | $4,724-80.3% | $4,092-77.3% | $6,396-85.5% |
| Admin fee / account holder | $21,308 | $8,807+141.9% | $7,578+181.2% | $12,562+69.6% |