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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 | $29,374 | $88,360-66.8% | $145,433-79.8% | $67,986-56.8% |
| Participation rate | 28.2% | 65.5%-37.2pp | 82.1%-53.9pp | 57.2%-29.0pp |
| Annual return | 14.13% | 63.15%-49.0pp | 66.58%-52.4pp | 31.67%-17.5pp |
| Employer contribution / active EE | $488 | $3,054-84.0% | $4,554-89.3% | $2,019-75.8% |
| Participant deferral / active EE | $1,123 | $5,932-81.1% | $7,897-85.8% | $3,358-66.6% |
| Admin fee / account holder | $2,353 | $3,313-29.0% | $13,129-82.1% | $3,203-26.6% |