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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 | $30,546 | $66,275-53.9% | $163,379-81.3% | $64,097-52.3% |
| Participation rate | 39.1% | 54.1%-15.0pp | 76.8%-37.7pp | 55.2%-16.1pp |
| Annual return | 13.87% | 32.72%-18.8pp | 63.41%-49.5pp | 34.64%-20.8pp |
| Employer contribution / active EE | $671 | $1,521-55.8% | $3,752-82.1% | $1,891-64.5% |
| Participant deferral / active EE | $1,035 | $3,126-66.9% | $6,282-83.5% | $3,080-66.4% |
| Admin fee / account holder | $2,151 | $4,569-52.9% | $9,818-78.1% | $3,454-37.7% |