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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 | $100,784-60.6% | $191,597-79.3% | $82,637-52.0% |
| Participation rate | 52.2% | 70.5%-18.2pp | 76.9%-24.7pp | 68.1%-15.8pp |
| Annual return | 10.20% | 18.13%-7.9pp | 27.07%-16.9pp | 53.51%-43.3pp |
| Employer contribution / active EE | $995 | $3,102-67.9% | $5,025-80.2% | $2,552-61.0% |
| Participant deferral / active EE | $1,547 | $4,937-68.7% | $6,850-77.4% | $4,126-62.5% |
| Admin fee / account holder | $2,543 | $10,062-74.7% | $22,799-88.8% | $7,339-65.3% |