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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 | $29,760 | $72,027-58.7% | $185,861-84.0% | $79,856-62.7% |
| Participation rate | 47.1% | 65.8%-18.7pp | 78.0%-31.0pp | 69.6%-22.6pp |
| Annual return | 11.28% | 23.13%-11.9pp | 35.96%-24.7pp | 31.71%-20.4pp |
| Employer contribution / active EE | $756 | $1,965-61.5% | $4,088-81.5% | $2,471-69.4% |
| Participant deferral / active EE | $1,095 | $3,780-71.0% | $5,634-80.6% | $3,741-70.7% |
| Admin fee / account holder | $1,138 | $4,513-74.8% | $9,503-88.0% | $5,306-78.6% |