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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 | $18,102 | $56,054-67.7% | $171,082-89.4% | $62,881-71.2% |
| Participation rate | 48.6% | 62.9%-14.2pp | 76.7%-28.0pp | 69.3%-20.7pp |
| Annual return | 4.24% | 22.52%-18.3pp | 32.56%-28.3pp | 20.14%-15.9pp |
| Employer contribution / active EE | $376 | $1,731-78.3% | $4,002-90.6% | $2,281-83.5% |
| Participant deferral / active EE | $904 | $3,158-71.4% | $4,797-81.2% | $3,203-71.8% |
| Admin fee / account holder | $2,703 | $3,647-25.9% | $8,520-68.3% | $4,296-37.1% |