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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 | $32,023 | $88,672-63.9% | $105,223-69.6% | $82,448-61.2% |
| Participation rate | 54.3% | 67.9%-13.6pp | 75.0%-20.7pp | 68.1%-13.7pp |
| Annual return | 10.72% | 30.86%-20.1pp | 180.65%-169.9pp | 41.64%-30.9pp |
| Employer contribution / active EE | $1,507 | $3,048-50.5% | $3,689-59.1% | $2,551-40.9% |
| Participant deferral / active EE | $986 | $4,036-75.6% | $5,072-80.6% | $4,139-76.2% |
| Admin fee / account holder | $4,488 | $7,146-37.2% | $8,859-49.3% | $7,234-38.0% |