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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 | $42,473 | $93,598-54.6% | $135,974-68.8% | $75,173-43.5% |
| Participation rate | 43.3% | 75.2%-31.9pp | 81.9%-38.6pp | 67.2%-23.9pp |
| Annual return | 14.01% | 30.89%-16.9pp | 68.30%-54.3pp | 160.72%-146.7pp |
| Employer contribution / active EE | $833 | $3,538-76.5% | $4,859-82.9% | $2,671-68.8% |
| Participant deferral / active EE | $2,409 | $6,405-62.4% | $7,760-69.0% | $4,126-41.6% |
| Admin fee / account holder | $9,876 | $6,978+41.5% | $10,767-8.3% | $5,651+74.8% |