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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 | $15,577 | $77,901-80.0% | $149,717-89.6% | $75,181-79.3% |
| Participation rate | 65.5% | 65.6%-0.1pp | 78.8%-13.3pp | 67.2%-1.7pp |
| Annual return | 2.50% | 31.73%-29.2pp | 134.41%-131.9pp | 160.69%-158.2pp |
| Employer contribution / active EE | $807 | $3,137-74.3% | $4,820-83.3% | $2,671-69.8% |
| Participant deferral / active EE | $418 | $3,411-87.7% | $5,682-92.6% | $4,126-89.9% |
| Admin fee / account holder | $7,433 | $5,949+24.9% | $13,213-43.7% | $5,650+31.6% |