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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 | $52,423 | $81,262-35.5% | $155,602-66.3% | $80,911-35.2% |
| Participation rate | 16.0% | 66.2%-50.2pp | 78.2%-62.2pp | 67.6%-51.6pp |
| Annual return | 6.08% | 33.34%-27.3pp | 64.81%-58.7pp | 35.63%-29.6pp |
| Employer contribution / active EE | $423 | $3,102-86.4% | $4,675-90.9% | $2,756-84.6% |
| Participant deferral / active EE | $852 | $3,451-75.3% | $5,629-84.9% | $4,297-80.2% |
| Admin fee / account holder | $1,050 | $7,992-86.9% | $15,923-93.4% | $6,935-84.9% |