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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 | $31,518 | $110,410-71.5% | $102,437-69.2% | $145,897-78.4% |
| Participation rate | 55.0% | 77.9%-22.9pp | 74.5%-19.5pp | 80.3%-25.3pp |
| Annual return | 3.80% | 24.85%-21.1pp | 24.95%-21.1pp | 552.29%-548.5pp |
| Employer contribution / active EE | $1,362 | $4,217-67.7% | $3,871-64.8% | $4,663-70.8% |
| Participant deferral / active EE | $1,343 | $5,622-76.1% | $5,060-73.5% | $6,689-79.9% |
| Admin fee / account holder | $691 | $9,745-92.9% | $8,388-91.8% | $13,390-94.8% |