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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 | $38,035 | $98,776-61.5% | $149,745-74.6% | $79,856-52.4% |
| Participation rate | 28.6% | 75.8%-47.2pp | 82.5%-53.9pp | 69.6%-41.1pp |
| Annual return | 10.29% | 27.38%-17.1pp | 276.72%-266.4pp | 31.71%-21.4pp |
| Employer contribution / active EE | $769 | $3,217-76.1% | $4,646-83.5% | $2,471-68.9% |
| Participant deferral / active EE | $1,525 | $5,681-73.2% | $6,843-77.7% | $3,741-59.2% |
| Admin fee / account holder | $4,557 | $6,053-24.7% | $9,312-51.1% | $5,306-14.1% |