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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 | $36,728 | $76,551-52.0% | $123,894-70.4% | $62,881-41.6% |
| Participation rate | 25.0% | 73.0%-48.0pp | 81.4%-56.4pp | 69.3%-44.3pp |
| Annual return | 5.02% | 18.68%-13.7pp | 47.52%-42.5pp | 20.14%-15.1pp |
| Employer contribution / active EE | $649 | $2,882-77.5% | $4,617-85.9% | $2,281-71.5% |
| Participant deferral / active EE | $1,084 | $4,840-77.6% | $5,984-81.9% | $3,203-66.2% |
| Admin fee / account holder | $1,189 | $4,826-75.4% | $8,357-85.8% | $4,296-72.3% |