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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 | $83,002-41.6% | $98,090-50.6% | $64,097-24.4% |
| Participation rate | 18.5% | 75.0%-56.6pp | 81.5%-63.1pp | 55.2%-36.7pp |
| Annual return | 14.22% | 38.51%-24.3pp | 37.05%-22.8pp | 34.64%-20.4pp |
| Employer contribution / active EE | $690 | $2,749-74.9% | $3,606-80.9% | $1,891-63.5% |
| Participant deferral / active EE | $1,227 | $6,787-81.9% | $7,845-84.4% | $3,080-60.2% |
| Admin fee / account holder | $2,898 | $3,015-3.9% | $11,815-75.5% | $3,454-16.1% |