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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 | $34,078 | $76,551-55.5% | $123,894-72.5% | $62,881-45.8% |
| Participation rate | 17.8% | 73.0%-55.2pp | 81.4%-63.6pp | 69.3%-51.5pp |
| Annual return | 1.79% | 18.68%-16.9pp | 47.52%-45.7pp | 20.14%-18.4pp |
| Employer contribution / active EE | $527 | $2,882-81.7% | $4,617-88.6% | $2,281-76.9% |
| Participant deferral / active EE | $1,052 | $4,840-78.3% | $5,984-82.4% | $3,203-67.2% |
| Admin fee / account holder | $1,931 | $4,826-60.0% | $8,357-76.9% | $4,296-55.1% |