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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 | $53,929 | $81,233-33.6% | $155,567-65.3% | $80,874-33.3% |
| Participation rate | 25.7% | 66.2%-40.5pp | 78.2%-52.5pp | 67.6%-41.9pp |
| Annual return | 8.61% | 33.33%-24.7pp | 64.74%-56.1pp | 35.62%-27.0pp |
| Employer contribution / active EE | $843 | $3,101-72.8% | $4,674-82.0% | $2,756-69.4% |
| Participant deferral / active EE | $843 | $3,452-75.6% | $5,628-85.0% | $4,297-80.4% |
| Admin fee / account holder | $4,380 | $7,998-45.2% | $15,916-72.5% | $6,935-36.8% |