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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 | $45,329 | $64,920-30.2% | $103,693-56.3% | $86,983-47.9% |
| Participation rate | 40.0% | 63.6%-23.6pp | 72.6%-32.6pp | 69.5%-29.5pp |
| Annual return | 11.13% | 30.29%-19.2pp | 47.61%-36.5pp | 25.83%-14.7pp |
| Employer contribution / active EE | $93 | $2,141-95.7% | $2,920-96.8% | $2,584-96.4% |
| Participant deferral / active EE | $601 | $3,241-81.5% | $4,579-86.9% | $4,194-85.7% |
| Admin fee / account holder | $6,104 | $6,191-1.4% | $7,858-22.3% | $7,856-22.3% |