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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 | $20,004 | $52,279-61.7% | $89,414-77.6% | $79,852-74.9% |
| Participation rate | 21.5% | 57.5%-36.0pp | 68.0%-46.5pp | 69.6%-48.1pp |
| Annual return | 9.76% | 22.16%-12.4pp | 245.50%-235.7pp | 31.72%-22.0pp |
| Employer contribution / active EE | $423 | $1,572-73.1% | $2,586-83.7% | $2,471-82.9% |
| Participant deferral / active EE | $578 | $2,740-78.9% | $3,890-85.1% | $3,740-84.5% |
| Admin fee / account holder | $309 | $3,356-90.8% | $4,883-93.7% | $5,306-94.2% |