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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 | $49,292 | $72,027-31.6% | $185,835-73.5% | $79,852-38.3% |
| Participation rate | 27.9% | 65.8%-37.9pp | 78.0%-50.2pp | 69.6%-41.8pp |
| Annual return | 11.28% | 23.13%-11.8pp | 35.96%-24.7pp | 31.72%-20.4pp |
| Employer contribution / active EE | $485 | $1,965-75.3% | $4,087-88.1% | $2,471-80.4% |
| Participant deferral / active EE | $852 | $3,780-77.4% | $5,633-84.9% | $3,740-77.2% |
| Admin fee / account holder | $1,642 | $4,513-63.6% | $9,502-82.7% | $5,306-69.1% |