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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 | $43,750 | $97,648-55.2% | $121,663-64.0% | $87,485-50.0% |
| Participation rate | 50.9% | 70.5%-19.6pp | 74.5%-23.6pp | 68.9%-18.0pp |
| Annual return | 8.64% | 18.03%-9.4pp | 147.54%-138.9pp | 26.06%-17.4pp |
| Employer contribution / active EE | $837 | $2,300-63.6% | $3,020-72.3% | $2,596-67.8% |
| Participant deferral / active EE | $1,071 | $3,923-72.7% | $4,887-78.1% | $4,274-74.9% |
| Admin fee / account holder | $1,381 | $11,100-87.6% | $14,289-90.3% | $7,775-82.2% |