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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 | $49,963 | $79,557-37.2% | $118,746-57.9% | $70,126-28.8% |
| Participation rate | 25.5% | 71.4%-45.8pp | 78.3%-52.7pp | 69.5%-44.0pp |
| Annual return | 10.00% | 25.64%-15.6pp | 24.54%-14.5pp | 73.15%-63.2pp |
| Employer contribution / active EE | $945 | $2,861-67.0% | $4,193-77.5% | $2,343-59.6% |
| Participant deferral / active EE | $1,106 | $4,089-72.9% | $5,332-79.3% | $3,332-66.8% |
| Admin fee / account holder | $328 | $5,374-93.9% | $10,720-96.9% | $4,645-92.9% |