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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 | $42,152 | $117,829-64.2% | $102,423-58.8% | $145,877-71.1% |
| Participation rate | 62.5% | 78.6%-16.1pp | 76.5%-14.0pp | 80.3%-17.8pp |
| Annual return | 8.22% | 31.83%-23.6pp | 29.42%-21.2pp | 551.28%-543.1pp |
| Employer contribution / active EE | $890 | $3,615-75.4% | $3,023-70.6% | $4,663-80.9% |
| Participant deferral / active EE | $1,530 | $5,732-73.3% | $5,054-69.7% | $6,691-77.1% |
| Admin fee / account holder | $16,701 | $13,335+25.2% | $9,455+76.6% | $13,402+24.6% |