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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 | $15,494 | $52,682-70.6% | $78,004-80.1% | $64,097-75.8% |
| Participation rate | 63.8% | 47.7%+16.1pp | 69.4%-5.7pp | 55.2%+8.6pp |
| Annual return | 11.70% | 22.45%-10.7pp | 31.07%-19.4pp | 34.64%-22.9pp |
| Employer contribution / active EE | $3,406 | $1,323+157.4% | $2,469+38.0% | $1,891+80.1% |
| Participant deferral / active EE | $282 | $2,346-88.0% | $4,092-93.1% | $3,080-90.9% |
| Admin fee / account holder | $4,150 | $5,420-23.4% | $7,578-45.2% | $3,454+20.1% |