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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 | $32,834 | $76,551-57.1% | $123,894-73.5% | $62,881-47.8% |
| Participation rate | 9.6% | 73.0%-63.4pp | 81.4%-71.8pp | 69.3%-59.7pp |
| Annual return | 3.92% | 18.68%-14.8pp | 47.52%-43.6pp | 20.14%-16.2pp |
| Employer contribution / active EE | $583 | $2,882-79.8% | $4,617-87.4% | $2,281-74.4% |
| Participant deferral / active EE | $473 | $4,840-90.2% | $5,984-92.1% | $3,203-85.2% |
| Admin fee / account holder | $315 | $4,826-93.5% | $8,357-96.2% | $4,296-92.7% |