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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 | $32,713 | $72,012-54.6% | $185,827-82.4% | $79,858-59.0% |
| Participation rate | 42.0% | 65.8%-23.8pp | 78.0%-36.1pp | 69.6%-27.7pp |
| Annual return | 10.45% | 23.12%-12.7pp | 35.96%-25.5pp | 31.72%-21.3pp |
| Employer contribution / active EE | $789 | $1,965-59.8% | $4,087-80.7% | $2,471-68.0% |
| Participant deferral / active EE | $1,176 | $3,779-68.9% | $5,633-79.1% | $3,740-68.6% |
| Admin fee / account holder | $13,465 | $4,513+198.4% | $9,502+41.7% | $5,306+153.8% |