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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 | $74,535-31.9% | $100,712-49.6% | $82,637-38.6% |
| Participation rate | 52.9% | 61.2%-8.2pp | 69.3%-16.3pp | 68.1%-15.1pp |
| Annual return | 10.69% | 18.92%-8.2pp | 33.27%-22.6pp | 53.51%-42.8pp |
| Employer contribution / active EE | $484 | $1,503-67.8% | $2,313-79.1% | $2,552-81.0% |
| Participant deferral / active EE | $297 | $3,074-90.3% | $4,085-92.7% | $4,126-92.8% |
| Admin fee / account holder | $3,480 | $6,576-47.1% | $9,256-62.4% | $7,339-52.6% |