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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 | $24,845 | $16,790+48.0% | $64,489-61.5% | $67,986-63.5% |
| Participation rate | 11.9% | 62.4%-50.5pp | 67.7%-55.8pp | 57.2%-45.3pp |
| Annual return | 13.82% | 30.55%-16.7pp | 55.03%-41.2pp | 31.67%-17.8pp |
| Employer contribution / active EE | $239 | $648-63.0% | $1,523-84.3% | $2,019-88.1% |
| Participant deferral / active EE | $405 | $1,510-73.2% | $2,778-85.4% | $3,358-87.9% |
| Admin fee / account holder | $1,577 | $1,690-6.7% | $4,260-63.0% | $3,203-50.8% |