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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 | $81,358-64.5% | $155,556-81.4% | $80,959-64.4% |
| Participation rate | 25.8% | 66.3%-40.5pp | 78.2%-52.4pp | 67.7%-41.9pp |
| Annual return | 9.02% | 33.39%-24.4pp | 64.84%-55.8pp | 35.67%-26.6pp |
| Employer contribution / active EE | $449 | $3,106-85.6% | $4,675-90.4% | $2,757-83.7% |
| Participant deferral / active EE | $631 | $3,455-81.7% | $5,631-88.8% | $4,300-85.3% |
| Admin fee / account holder | $1,601 | $7,994-80.0% | $15,885-89.9% | $6,925-76.9% |