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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 | $39,525 | $76,551-48.4% | $123,894-68.1% | $62,881-37.1% |
| Participation rate | 47.1% | 73.0%-25.9pp | 81.4%-34.4pp | 69.3%-22.2pp |
| Annual return | 5.28% | 18.68%-13.4pp | 47.52%-42.2pp | 20.14%-14.9pp |
| Employer contribution / active EE | $561 | $2,882-80.5% | $4,617-87.8% | $2,281-75.4% |
| Participant deferral / active EE | $1,203 | $4,840-75.1% | $5,984-79.9% | $3,203-62.4% |
| Admin fee / account holder | $1,479 | $4,826-69.4% | $8,357-82.3% | $4,296-65.6% |