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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 | $41,733 | $71,215-41.4% | $93,696-55.5% | $80,935-48.4% |
| Participation rate | 44.2% | 60.4%-16.2pp | 68.7%-24.5pp | 67.7%-23.5pp |
| Annual return | 7.78% | 11.27%-3.5pp | 133.74%-126.0pp | 35.66%-27.9pp |
| Employer contribution / active EE | $990 | $1,565-36.8% | $2,422-59.1% | $2,757-64.1% |
| Participant deferral / active EE | $1,201 | $4,037-70.2% | $4,417-72.8% | $4,299-72.1% |
| Admin fee / account holder | $9,331 | $6,958+34.1% | $8,287+12.6% | $6,924+34.8% |