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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 | $50,753 | $77,574-34.6% | $108,753-53.3% | $86,983-41.7% |
| Participation rate | 52.9% | 62.3%-9.4pp | 71.1%-18.1pp | 69.5%-16.6pp |
| Annual return | 10.69% | 18.42%-7.7pp | 37.47%-26.8pp | 25.83%-15.1pp |
| Employer contribution / active EE | $484 | $1,611-69.9% | $2,427-80.0% | $2,584-81.3% |
| Participant deferral / active EE | $297 | $3,128-90.5% | $4,115-92.8% | $4,194-92.9% |
| Admin fee / account holder | $3,480 | $6,529-46.7% | $10,320-66.3% | $7,856-55.7% |