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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 | $46,161 | $81,276-43.2% | $155,574-70.3% | $80,925-43.0% |
| Participation rate | 28.2% | 66.2%-38.1pp | 78.2%-50.0pp | 67.7%-39.5pp |
| Annual return | 10.49% | 33.36%-22.9pp | 64.87%-54.4pp | 35.65%-25.2pp |
| Employer contribution / active EE | $425 | $3,103-86.3% | $4,676-90.9% | $2,756-84.6% |
| Participant deferral / active EE | $784 | $3,453-77.3% | $5,629-86.1% | $4,299-81.8% |
| Admin fee / account holder | $2,043 | $7,993-74.4% | $15,914-87.2% | $6,940-70.6% |