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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 | $47,283 | $71,230-33.6% | $93,727-49.6% | $80,959-41.6% |
| Participation rate | 52.5% | 60.4%-7.9pp | 68.7%-16.3pp | 67.7%-15.2pp |
| Annual return | 7.42% | 11.26%-3.8pp | 133.83%-126.4pp | 35.67%-28.2pp |
| Employer contribution / active EE | $579 | $1,565-63.0% | $2,421-76.1% | $2,757-79.0% |
| Participant deferral / active EE | $1,063 | $4,037-73.7% | $4,417-75.9% | $4,300-75.3% |
| Admin fee / account holder | $441 | $6,961-93.7% | $8,292-94.7% | $6,925-93.6% |