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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 | $40,729 | $77,460-47.4% | $100,378-59.4% | $80,925-49.7% |
| Participation rate | 18.6% | 76.9%-58.3pp | 81.5%-62.9pp | 67.7%-49.1pp |
| Annual return | 8.76% | 37.24%-28.5pp | 49.41%-40.7pp | 35.65%-26.9pp |
| Employer contribution / active EE | $454 | $2,801-83.8% | $3,942-88.5% | $2,756-83.5% |
| Participant deferral / active EE | $1,609 | $6,818-76.4% | $8,087-80.1% | $4,299-62.6% |
| Admin fee / account holder | $1,183 | $5,887-79.9% | $7,899-85.0% | $6,940-82.9% |