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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 | $36,681 | $76,834-52.3% | $108,359-66.1% | $87,485-58.1% |
| Participation rate | 51.0% | 61.7%-10.7pp | 70.1%-19.1pp | 68.9%-18.0pp |
| Annual return | 11.16% | 19.09%-7.9pp | 36.89%-25.7pp | 26.06%-14.9pp |
| Employer contribution / active EE | $588 | $1,556-62.2% | $2,399-75.5% | $2,596-77.3% |
| Participant deferral / active EE | $963 | $3,100-68.9% | $4,137-76.7% | $4,274-77.5% |
| Admin fee / account holder | $3,891 | $6,537-40.5% | $9,741-60.1% | $7,775-50.0% |