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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 | $40,677 | $81,504-50.1% | $102,437-60.3% | $80,959-49.8% |
| Participation rate | 40.0% | 66.9%-26.9pp | 74.5%-34.5pp | 67.7%-27.7pp |
| Annual return | 10.38% | 25.60%-15.2pp | 24.95%-14.6pp | 35.67%-25.3pp |
| Employer contribution / active EE | $885 | $3,104-71.5% | $3,871-77.1% | $2,757-67.9% |
| Participant deferral / active EE | $1,075 | $3,871-72.2% | $5,060-78.8% | $4,300-75.0% |
| Admin fee / account holder | $4,379 | $6,719-34.8% | $8,388-47.8% | $6,925-36.8% |