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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 | $50,962 | $101,798-49.9% | $165,071-69.1% | $80,935-37.0% |
| Participation rate | 30.0% | 71.8%-41.8pp | 78.6%-48.6pp | 67.7%-37.7pp |
| Annual return | 10.29% | 16.73%-6.4pp | 70.17%-59.9pp | 35.66%-25.4pp |
| Employer contribution / active EE | $846 | $2,954-71.4% | $4,347-80.5% | $2,757-69.3% |
| Participant deferral / active EE | $1,730 | $4,476-61.4% | $6,035-71.3% | $4,299-59.8% |
| Admin fee / account holder | $415 | $8,221-95.0% | $12,695-96.7% | $6,924-94.0% |