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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 | $26,543 | $78,520-66.2% | $96,576-72.5% | $82,448-67.8% |
| Participation rate | 35.9% | 77.7%-41.8pp | 81.4%-45.5pp | 68.1%-32.2pp |
| Annual return | 11.72% | 41.30%-29.6pp | 38.47%-26.7pp | 41.64%-29.9pp |
| Employer contribution / active EE | $99 | $2,630-96.2% | $3,553-97.2% | $2,551-96.1% |
| Participant deferral / active EE | $555 | $6,754-91.8% | $7,956-93.0% | $4,139-86.6% |
| Admin fee / account holder | $858 | $13,455-93.6% | $11,381-92.5% | $7,234-88.1% |