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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 | $99,875-53.8% | $146,866-68.6% | $86,983-46.9% |
| Participation rate | 45.9% | 75.8%-29.9pp | 82.5%-36.6pp | 69.5%-23.6pp |
| Annual return | 12.23% | 28.10%-15.9pp | 102.85%-90.6pp | 25.83%-13.6pp |
| Employer contribution / active EE | $1,040 | $3,224-67.7% | $4,425-76.5% | $2,584-59.8% |
| Participant deferral / active EE | $1,734 | $6,322-72.6% | $7,759-77.6% | $4,194-58.6% |
| Admin fee / account holder | $2,894 | $7,838-63.1% | $13,620-78.8% | $7,856-63.2% |