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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 | $42,044 | $79,894-47.4% | $135,792-69.0% | $82,637-49.1% |
| Participation rate | 46.9% | 63.0%-16.1pp | 72.6%-25.7pp | 68.1%-21.2pp |
| Annual return | 11.21% | 17.20%-6.0pp | 25.96%-14.7pp | 53.51%-42.3pp |
| Employer contribution / active EE | $1,609 | $2,165-25.7% | $3,496-54.0% | $2,552-37.0% |
| Participant deferral / active EE | $750 | $3,194-76.5% | $4,759-84.2% | $4,126-81.8% |
| Admin fee / account holder | $5,409 | $6,434-15.9% | $12,266-55.9% | $7,339-26.3% |