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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 | $17,472 | $65,395-73.3% | $182,531-90.4% | $72,983-76.1% |
| Participation rate | 39.2% | 65.4%-26.2pp | 78.0%-38.8pp | 69.5%-30.3pp |
| Annual return | 15.21% | 27.68%-12.5pp | 148.57%-133.4pp | 81.01%-65.8pp |
| Employer contribution / active EE | $716 | $1,911-62.6% | $4,075-82.4% | $2,440-70.7% |
| Participant deferral / active EE | $1,050 | $3,563-70.5% | $5,525-81.0% | $3,608-70.9% |
| Admin fee / account holder | $1,939 | $4,245-54.3% | $8,593-77.4% | $5,124-62.2% |