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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 | $22,958 | $71,215-67.8% | $93,696-75.5% | $80,935-71.6% |
| Participation rate | 27.4% | 60.4%-33.0pp | 68.7%-41.4pp | 67.7%-40.3pp |
| Annual return | 8.89% | 11.27%-2.4pp | 133.74%-124.9pp | 35.66%-26.8pp |
| Employer contribution / active EE | $452 | $1,565-71.1% | $2,422-81.4% | $2,757-83.6% |
| Participant deferral / active EE | $841 | $4,037-79.2% | $4,417-81.0% | $4,299-80.4% |
| Admin fee / account holder | $2,163 | $6,958-68.9% | $8,287-73.9% | $6,924-68.8% |