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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 | $40,179 | $65,246-38.4% | $98,716-59.3% | $67,986-40.9% |
| Participation rate | 30.6% | 51.4%-20.9pp | 69.3%-38.7pp | 57.2%-26.7pp |
| Annual return | 9.60% | 20.58%-11.0pp | 31.81%-22.2pp | 31.67%-22.1pp |
| Employer contribution / active EE | $617 | $1,042-40.8% | $2,279-72.9% | $2,019-69.4% |
| Participant deferral / active EE | $956 | $2,594-63.1% | $4,048-76.4% | $3,358-71.5% |
| Admin fee / account holder | $1,408 | $4,561-69.1% | $8,703-83.8% | $3,203-56.1% |