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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 | $46,176 | $106,864-56.8% | $147,318-68.7% | $82,637-44.1% |
| Participation rate | 45.9% | 75.5%-29.6pp | 82.1%-36.1pp | 68.1%-22.1pp |
| Annual return | 12.23% | 27.49%-15.3pp | 70.43%-58.2pp | 53.51%-41.3pp |
| Employer contribution / active EE | $1,040 | $3,417-69.6% | $4,593-77.4% | $2,552-59.2% |
| Participant deferral / active EE | $1,734 | $6,496-73.3% | $7,906-78.1% | $4,126-58.0% |
| Admin fee / account holder | $2,894 | $8,415-65.6% | $13,708-78.9% | $7,339-60.6% |