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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 | $25,952 | $75,541-65.6% | $152,093-82.9% | $82,637-68.6% |
| Participation rate | 43.1% | 66.5%-23.5pp | 77.8%-34.7pp | 68.1%-25.0pp |
| Annual return | 12.46% | 32.56%-20.1pp | 66.36%-53.9pp | 53.51%-41.0pp |
| Employer contribution / active EE | $524 | $2,622-80.0% | $4,175-87.4% | $2,552-79.5% |
| Participant deferral / active EE | $554 | $3,206-82.7% | $5,451-89.8% | $4,126-86.6% |
| Admin fee / account holder | $352 | $6,405-94.5% | $14,497-97.6% | $7,339-95.2% |