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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 | $33,721 | $99,875-66.2% | $146,866-77.0% | $86,983-61.2% |
| Participation rate | 38.2% | 75.8%-37.6pp | 82.5%-44.3pp | 69.5%-31.4pp |
| Annual return | 12.52% | 28.10%-15.6pp | 102.85%-90.3pp | 25.83%-13.3pp |
| Employer contribution / active EE | $650 | $3,224-79.8% | $4,425-85.3% | $2,584-74.9% |
| Participant deferral / active EE | $1,509 | $6,322-76.1% | $7,759-80.6% | $4,194-64.0% |
| Admin fee / account holder | $3,080 | $7,838-60.7% | $13,620-77.4% | $7,856-60.8% |