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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 | $29,515 | $93,598-68.5% | $135,974-78.3% | $75,173-60.7% |
| Participation rate | 53.3% | 75.2%-21.9pp | 81.9%-28.6pp | 67.2%-13.9pp |
| Annual return | 13.72% | 30.89%-17.2pp | 68.30%-54.6pp | 160.72%-147.0pp |
| Employer contribution / active EE | $863 | $3,538-75.6% | $4,859-82.2% | $2,671-67.7% |
| Participant deferral / active EE | $1,777 | $6,405-72.3% | $7,760-77.1% | $4,126-56.9% |
| Admin fee / account holder | $1,310 | $6,978-81.2% | $10,767-87.8% | $5,651-76.8% |