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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 | $82,879-41.5% | $96,576-49.8% | $67,986-28.7% |
| Participation rate | 18.5% | 75.2%-56.7pp | 81.4%-63.0pp | 57.2%-38.7pp |
| Annual return | 14.22% | 36.90%-22.7pp | 38.47%-24.3pp | 31.67%-17.4pp |
| Employer contribution / active EE | $690 | $2,727-74.7% | $3,553-80.6% | $2,019-65.8% |
| Participant deferral / active EE | $1,227 | $6,976-82.4% | $7,956-84.6% | $3,358-63.5% |
| Admin fee / account holder | $2,898 | $2,783+4.1% | $11,381-74.5% | $3,203-9.5% |