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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 | $49,348 | $76,642-35.6% | $146,866-66.4% | $65,306-24.4% |
| Participation rate | 16.4% | 61.2%-44.9pp | 82.5%-66.1pp | 57.7%-41.3pp |
| Annual return | 9.00% | 33.40%-24.4pp | 102.85%-93.9pp | 21.94%-12.9pp |
| Employer contribution / active EE | $302 | $2,621-88.5% | $4,425-93.2% | $1,967-84.6% |
| Participant deferral / active EE | $482 | $4,864-90.1% | $7,759-93.8% | $2,959-83.7% |
| Admin fee / account holder | $2,308 | $3,960-41.7% | $13,620-83.1% | $3,480-33.7% |