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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 | $36,036 | $48,078-25.0% | $78,676-54.2% | $62,881-42.7% |
| Participation rate | 18.8% | 65.2%-46.5pp | 73.6%-54.8pp | 69.3%-50.6pp |
| Annual return | 4.29% | 31.36%-27.1pp | 62.19%-57.9pp | 20.14%-15.9pp |
| Employer contribution / active EE | $315 | $2,015-84.4% | $2,850-88.9% | $2,281-86.2% |
| Participant deferral / active EE | $655 | $2,587-74.7% | $3,517-81.4% | $3,203-79.6% |
| Admin fee / account holder | $3,216 | $3,206+0.3% | $4,510-28.7% | $4,296-25.1% |