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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 | $40,789 | $106,864-61.8% | $147,318-72.3% | $82,637-50.6% |
| Participation rate | 45.3% | 75.5%-30.2pp | 82.1%-36.8pp | 68.1%-22.7pp |
| Annual return | 11.47% | 27.49%-16.0pp | 70.43%-59.0pp | 53.51%-42.0pp |
| Employer contribution / active EE | $818 | $3,417-76.1% | $4,593-82.2% | $2,552-68.0% |
| Participant deferral / active EE | $1,295 | $6,496-80.1% | $7,906-83.6% | $4,126-68.6% |
| Admin fee / account holder | $3,587 | $8,415-57.4% | $13,708-73.8% | $7,339-51.1% |