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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 | $24,477 | $56,438-56.6% | $76,902-68.2% | $71,529-65.8% |
| Participation rate | 30.2% | 64.3%-34.2pp | 69.6%-39.5pp | 67.9%-37.8pp |
| Annual return | 12.00% | 19.05%-7.0pp | 37.91%-25.9pp | 28.97%-17.0pp |
| Employer contribution / active EE | $564 | $1,864-69.8% | $2,534-77.8% | $2,590-78.2% |
| Participant deferral / active EE | $893 | $3,136-71.5% | $3,833-76.7% | $4,291-79.2% |
| Admin fee / account holder | $2,097 | $1,430+46.6% | $5,479-61.7% | $1,588+32.0% |