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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 | $22,994 | $51,466-55.3% | $78,778-70.8% | $62,293-63.1% |
| Participation rate | 50.0% | 59.8%-9.8pp | 69.2%-19.2pp | 69.5%-19.5pp |
| Annual return | 11.60% | 19.96%-8.4pp | 35.62%-24.0pp | 28.90%-17.3pp |
| Employer contribution / active EE | $533 | $827-35.6% | $1,986-73.2% | $2,042-73.9% |
| Participant deferral / active EE | $862 | $2,147-59.9% | $2,958-70.9% | $3,169-72.8% |
| Admin fee / account holder | $477 | $489-2.5% | $5,134-90.7% | $479-0.5% |