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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 | $39,706 | $96,289-58.8% | $213,469-81.4% | $87,485-54.6% |
| Participation rate | 52.2% | 69.6%-17.3pp | 77.1%-24.9pp | 68.9%-16.7pp |
| Annual return | 10.20% | 17.78%-7.6pp | 20.58%-10.4pp | 26.06%-15.9pp |
| Employer contribution / active EE | $995 | $3,035-67.2% | $4,994-80.1% | $2,596-61.7% |
| Participant deferral / active EE | $1,547 | $4,750-67.4% | $6,841-77.4% | $4,274-63.8% |
| Admin fee / account holder | $2,543 | $9,670-73.7% | $27,141-90.6% | $7,775-67.3% |