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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 | $29,714 | $77,472-61.6% | $100,415-70.4% | $80,959-63.3% |
| Participation rate | 28.6% | 76.9%-48.4pp | 81.5%-52.9pp | 67.7%-39.1pp |
| Annual return | 10.74% | 37.26%-26.5pp | 49.47%-38.7pp | 35.67%-24.9pp |
| Employer contribution / active EE | $797 | $2,800-71.5% | $3,943-79.8% | $2,757-71.1% |
| Participant deferral / active EE | $1,866 | $6,818-72.6% | $8,091-76.9% | $4,300-56.6% |
| Admin fee / account holder | $713 | $5,885-87.9% | $7,906-91.0% | $6,925-89.7% |