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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 | $106,749-56.7% | $145,433-68.2% | $82,448-44.0% |
| Participation rate | 45.9% | 75.6%-29.7pp | 82.1%-36.2pp | 68.1%-22.1pp |
| Annual return | 12.23% | 27.59%-15.4pp | 66.58%-54.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,040 | $3,444-69.8% | $4,554-77.2% | $2,551-59.2% |
| Participant deferral / active EE | $1,734 | $6,519-73.4% | $7,897-78.0% | $4,139-58.1% |
| Admin fee / account holder | $2,894 | $8,390-65.5% | $13,129-78.0% | $7,234-60.0% |