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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 | $27,849 | $59,440-53.1% | $78,004-64.3% | $82,637-66.3% |
| Participation rate | 19.2% | 62.8%-43.6pp | 69.4%-50.3pp | 68.1%-48.9pp |
| Annual return | 6.07% | 40.24%-34.2pp | 31.07%-25.0pp | 53.51%-47.4pp |
| Employer contribution / active EE | $579 | $1,750-66.9% | $2,469-76.5% | $2,552-77.3% |
| Participant deferral / active EE | $979 | $3,138-68.8% | $4,092-76.1% | $4,126-76.3% |
| Admin fee / account holder | $333 | $5,504-93.9% | $7,578-95.6% | $7,339-95.5% |