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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 | $28,856 | $81,276-64.5% | $155,574-81.5% | $80,925-64.3% |
| Participation rate | 25.8% | 66.2%-40.4pp | 78.2%-52.4pp | 67.7%-41.9pp |
| Annual return | 9.02% | 33.36%-24.3pp | 64.87%-55.8pp | 35.65%-26.6pp |
| Employer contribution / active EE | $449 | $3,103-85.5% | $4,676-90.4% | $2,756-83.7% |
| Participant deferral / active EE | $631 | $3,453-81.7% | $5,629-88.8% | $4,299-85.3% |
| Admin fee / account holder | $1,601 | $7,993-80.0% | $15,914-89.9% | $6,940-76.9% |