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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 | $55,872 | $87,132-35.9% | $105,624-47.1% | $80,959-31.0% |
| Participation rate | 25.0% | 70.4%-45.4pp | 75.3%-50.3pp | 67.7%-42.7pp |
| Annual return | 9.72% | 17.03%-7.3pp | 116.20%-106.5pp | 35.67%-25.9pp |
| Employer contribution / active EE | $685 | $2,397-71.4% | $3,168-78.4% | $2,757-75.2% |
| Participant deferral / active EE | $1,530 | $3,985-61.6% | $5,013-69.5% | $4,300-64.4% |
| Admin fee / account holder | $5,697 | $8,449-32.6% | $10,961-48.0% | $6,925-17.7% |