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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 | $19,617 | $73,787-73.4% | $98,716-80.1% | $82,448-76.2% |
| Participation rate | 22.2% | 61.4%-39.2pp | 69.3%-47.1pp | 68.1%-45.8pp |
| Annual return | 9.70% | 18.57%-8.9pp | 31.81%-22.1pp | 41.64%-31.9pp |
| Employer contribution / active EE | $452 | $1,511-70.1% | $2,279-80.2% | $2,551-82.3% |
| Participant deferral / active EE | $895 | $3,081-71.0% | $4,048-77.9% | $4,139-78.4% |
| Admin fee / account holder | $4,861 | $6,500-25.2% | $8,703-44.1% | $7,234-32.8% |