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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 | $26,656 | $99,875-73.3% | $146,866-81.9% | $86,983-69.4% |
| Participation rate | 66.0% | 75.8%-9.8pp | 82.5%-16.5pp | 69.5%-3.5pp |
| Annual return | 13.67% | 28.10%-14.4pp | 102.85%-89.2pp | 25.83%-12.2pp |
| Employer contribution / active EE | $479 | $3,224-85.1% | $4,425-89.2% | $2,584-81.5% |
| Participant deferral / active EE | $1,323 | $6,322-79.1% | $7,759-83.0% | $4,194-68.5% |
| Admin fee / account holder | $1,192 | $7,838-84.8% | $13,620-91.2% | $7,856-84.8% |