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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 | $29,424 | $106,749-72.4% | $145,433-79.8% | $82,448-64.3% |
| Participation rate | 47.4% | 75.6%-28.3pp | 82.1%-34.8pp | 68.1%-20.7pp |
| Annual return | 12.69% | 27.59%-14.9pp | 66.58%-53.9pp | 41.64%-29.0pp |
| Employer contribution / active EE | $1,062 | $3,444-69.2% | $4,554-76.7% | $2,551-58.4% |
| Participant deferral / active EE | $1,739 | $6,519-73.3% | $7,897-78.0% | $4,139-58.0% |
| Admin fee / account holder | $3,182 | $8,390-62.1% | $13,129-75.8% | $7,234-56.0% |