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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 | $14,393 | $67,894-78.8% | $89,340-83.9% | $82,448-82.5% |
| Participation rate | 68.2% | 64.0%+4.1pp | 69.6%-1.4pp | 68.1%+0.1pp |
| Annual return | 12.56% | 19.21%-6.6pp | 20.57%-8.0pp | 41.64%-29.1pp |
| Employer contribution / active EE | $578 | $1,828-68.4% | $2,231-74.1% | $2,551-77.3% |
| Participant deferral / active EE | $729 | $3,072-76.3% | $3,823-80.9% | $4,139-82.4% |
| Admin fee / account holder | $2,517 | $5,723-56.0% | $6,704-62.4% | $7,234-65.2% |