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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 | $42,316 | $57,541-26.5% | $95,740-55.8% | $75,173-43.7% |
| Participation rate | 42.2% | 62.5%-20.3pp | 72.3%-30.1pp | 67.2%-25.0pp |
| Annual return | 12.95% | 34.93%-22.0pp | 28.41%-15.5pp | 160.72%-147.8pp |
| Employer contribution / active EE | $620 | $1,808-65.7% | $2,836-78.1% | $2,671-76.8% |
| Participant deferral / active EE | $838 | $3,074-72.7% | $4,244-80.3% | $4,126-79.7% |
| Admin fee / account holder | $1,376 | $4,099-66.4% | $5,676-75.8% | $5,651-75.6% |