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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 | $46,626 | $65,395-28.7% | $182,540-74.5% | $72,975-36.1% |
| Participation rate | 25.8% | 65.4%-39.6pp | 78.0%-52.2pp | 69.5%-43.7pp |
| Annual return | 17.55% | 27.68%-10.1pp | 148.58%-131.0pp | 81.01%-63.5pp |
| Employer contribution / active EE | $447 | $1,911-76.6% | $4,076-89.0% | $2,440-81.7% |
| Participant deferral / active EE | $801 | $3,563-77.5% | $5,525-85.5% | $3,608-77.8% |
| Admin fee / account holder | $1,143 | $4,245-73.1% | $8,593-86.7% | $5,124-77.7% |