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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 | $29,406 | $62,672-53.1% | $185,117-84.1% | $70,126-58.1% |
| Participation rate | 57.4% | 63.8%-6.3pp | 77.3%-19.8pp | 69.5%-12.1pp |
| Annual return | 11.88% | 40.79%-28.9pp | 40.50%-28.6pp | 73.15%-61.3pp |
| Employer contribution / active EE | $579 | $1,753-67.0% | $4,182-86.2% | $2,343-75.3% |
| Participant deferral / active EE | $1,050 | $3,272-67.9% | $5,045-79.2% | $3,332-68.5% |
| Admin fee / account holder | $4,161 | $3,932+5.8% | $8,159-49.0% | $4,645-10.4% |