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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 | $27,286 | $65,364-58.3% | $92,909-70.6% | $72,975-62.6% |
| Participation rate | 52.0% | 68.3%-16.3pp | 76.0%-24.0pp | 69.5%-17.5pp |
| Annual return | 15.76% | 42.11%-26.3pp | 109.44%-93.7pp | 81.01%-65.2pp |
| Employer contribution / active EE | $902 | $2,594-65.2% | $3,653-75.3% | $2,440-63.0% |
| Participant deferral / active EE | $1,284 | $3,128-59.0% | $4,238-69.7% | $3,608-64.4% |
| Admin fee / account holder | $13,326 | $4,251+213.5% | $5,795+130.0% | $5,124+160.1% |