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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 | $29,669 | $58,627-49.4% | $76,735-61.3% | $82,448-64.0% |
| Participation rate | 15.4% | 63.2%-47.8pp | 69.5%-54.1pp | 68.1%-52.7pp |
| Annual return | 12.96% | 39.10%-26.1pp | 29.77%-16.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $356 | $1,729-79.4% | $2,454-85.5% | $2,551-86.0% |
| Participant deferral / active EE | $479 | $3,134-84.7% | $4,088-88.3% | $4,139-88.4% |
| Admin fee / account holder | $8,630 | $5,323+62.1% | $7,189+20.0% | $7,234+19.3% |