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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 | $23,931 | $56,894-57.9% | $84,753-71.8% | $62,881-61.9% |
| Participation rate | 38.3% | 68.5%-30.2pp | 76.6%-38.3pp | 69.3%-31.0pp |
| Annual return | 3.64% | 6.30%-2.7pp | 22.78%-19.1pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,327 | $2,400-44.7% | $3,574-62.9% | $2,281-41.8% |
| Participant deferral / active EE | $371 | $2,709-86.3% | $3,712-90.0% | $3,203-88.4% |
| Admin fee / account holder | $2,324 | $3,581-35.1% | $5,333-56.4% | $4,296-45.9% |