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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 | $28,456 | $71,215-60.0% | $93,696-69.6% | $80,935-64.8% |
| Participation rate | 37.5% | 60.4%-22.9pp | 68.7%-31.2pp | 67.7%-30.2pp |
| Annual return | 6.62% | 11.27%-4.7pp | 133.74%-127.1pp | 35.66%-29.0pp |
| Employer contribution / active EE | $764 | $1,565-51.2% | $2,422-68.5% | $2,757-72.3% |
| Participant deferral / active EE | $1,128 | $4,037-72.0% | $4,417-74.5% | $4,299-73.8% |
| Admin fee / account holder | $1,448 | $6,958-79.2% | $8,287-82.5% | $6,924-79.1% |