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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 | $24,656 | $106,864-76.9% | $147,318-83.3% | $82,637-70.2% |
| Participation rate | 34.7% | 75.5%-40.8pp | 82.1%-47.4pp | 68.1%-33.4pp |
| Annual return | 13.43% | 27.49%-14.1pp | 70.43%-57.0pp | 53.51%-40.1pp |
| Employer contribution / active EE | $1,290 | $3,417-62.3% | $4,593-71.9% | $2,552-49.5% |
| Participant deferral / active EE | $2,255 | $6,496-65.3% | $7,906-71.5% | $4,126-45.3% |
| Admin fee / account holder | $11,387 | $8,415+35.3% | $13,708-16.9% | $7,339+55.2% |