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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 | $39,772 | $77,962-49.0% | $178,540-77.7% | $80,935-50.9% |
| Participation rate | 28.0% | 65.7%-37.6pp | 77.1%-49.1pp | 67.7%-39.6pp |
| Annual return | 8.74% | 18.10%-9.4pp | 27.15%-18.4pp | 35.66%-26.9pp |
| Employer contribution / active EE | $662 | $2,280-71.0% | $3,953-83.3% | $2,757-76.0% |
| Participant deferral / active EE | $1,089 | $4,404-75.3% | $6,281-82.7% | $4,299-74.7% |
| Admin fee / account holder | $1,941 | $7,156-72.9% | $10,424-81.4% | $6,924-72.0% |