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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 | $48,472 | $84,458-42.6% | $102,184-52.6% | $64,340-24.7% |
| Participation rate | 18.5% | 74.2%-55.7pp | 82.6%-64.1pp | 55.2%-36.8pp |
| Annual return | 14.22% | 45.73%-31.5pp | 31.58%-17.4pp | 24.14%-9.9pp |
| Employer contribution / active EE | $690 | $2,412-71.4% | $3,594-80.8% | $1,862-62.9% |
| Participant deferral / active EE | $1,227 | $6,208-80.2% | $8,309-85.2% | $2,980-58.8% |
| Admin fee / account holder | $2,898 | $2,926-0.9% | $11,609-75.0% | $3,703-21.7% |