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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 | $38,958 | $110,337-64.7% | $102,383-61.9% | $145,877-73.3% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 8.92% | 24.83%-15.9pp | 24.94%-16.0pp | 551.28%-542.4pp |
| Employer contribution / active EE | $900 | $4,216-78.7% | $3,870-76.8% | $4,663-80.7% |
| Participant deferral / active EE | $1,100 | $5,621-80.4% | $5,060-78.3% | $6,691-83.6% |
| Admin fee / account holder | $1,632 | $9,750-83.3% | $8,391-80.5% | $13,402-87.8% |