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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 | $41,896 | $77,814-46.2% | $158,223-73.5% | $86,983-51.8% |
| Participation rate | 30.7% | 68.4%-37.7pp | 79.2%-48.5pp | 69.5%-38.9pp |
| Annual return | 5.82% | 30.54%-24.7pp | 52.09%-46.3pp | 25.83%-20.0pp |
| Employer contribution / active EE | $743 | $2,592-71.3% | $4,109-81.9% | $2,584-71.2% |
| Participant deferral / active EE | $903 | $3,270-72.4% | $5,467-83.5% | $4,194-78.5% |
| Admin fee / account holder | $2,179 | $5,879-62.9% | $16,047-86.4% | $7,856-72.3% |