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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 | $51,162 | $72,027-29.0% | $185,861-72.5% | $79,856-35.9% |
| Participation rate | 32.4% | 65.8%-33.3pp | 78.0%-45.6pp | 69.6%-37.2pp |
| Annual return | 9.56% | 23.13%-13.6pp | 35.96%-26.4pp | 31.71%-22.2pp |
| Employer contribution / active EE | $726 | $1,965-63.1% | $4,088-82.3% | $2,471-70.6% |
| Participant deferral / active EE | $1,170 | $3,780-69.0% | $5,634-79.2% | $3,741-68.7% |
| Admin fee / account holder | $315 | $4,513-93.0% | $9,503-96.7% | $5,306-94.1% |