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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 | $27,310 | $75,058-63.6% | $152,301-82.1% | $64,340-57.6% |
| Participation rate | 24.3% | 60.9%-36.6pp | 82.4%-58.1pp | 55.2%-30.9pp |
| Annual return | 13.17% | 29.93%-16.8pp | 80.50%-67.3pp | 24.14%-11.0pp |
| Employer contribution / active EE | $472 | $2,605-81.9% | $4,624-89.8% | $1,862-74.7% |
| Participant deferral / active EE | $644 | $5,041-87.2% | $8,004-91.9% | $2,980-78.4% |
| Admin fee / account holder | $2,257 | $4,050-44.3% | $14,398-84.3% | $3,703-39.0% |