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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 | $40,619 | $91,198-55.5% | $178,503-77.2% | $79,856-49.1% |
| Participation rate | 55.6% | 69.2%-13.7pp | 81.9%-26.4pp | 69.6%-14.1pp |
| Annual return | 8.08% | 24.20%-16.1pp | 151.12%-143.0pp | 31.71%-23.6pp |
| Employer contribution / active EE | $703 | $3,257-78.4% | $5,011-86.0% | $2,471-71.6% |
| Participant deferral / active EE | $782 | $3,237-75.8% | $5,202-85.0% | $3,741-79.1% |
| Admin fee / account holder | $3,522 | $6,748-47.8% | $13,987-74.8% | $5,306-33.6% |