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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 | $29,961 | $63,861-53.1% | $104,625-71.4% | $79,852-62.5% |
| Participation rate | 13.9% | 64.9%-51.0pp | 74.1%-60.2pp | 69.6%-55.7pp |
| Annual return | 8.75% | 21.30%-12.6pp | 340.60%-331.8pp | 31.72%-23.0pp |
| Employer contribution / active EE | $936 | $1,588-41.1% | $2,681-65.1% | $2,471-62.1% |
| Participant deferral / active EE | $368 | $2,693-86.3% | $3,738-90.1% | $3,740-90.2% |
| Admin fee / account holder | $1,818 | $4,185-56.6% | $6,465-71.9% | $5,306-65.7% |