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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 | $36,664 | $51,207-28.4% | $70,565-48.0% | $71,529-48.7% |
| Participation rate | 20.6% | 59.4%-38.8pp | 68.4%-47.8pp | 67.9%-47.4pp |
| Annual return | 10.71% | 42.71%-32.0pp | 32.79%-22.1pp | 28.97%-18.3pp |
| Employer contribution / active EE | $363 | $1,795-79.8% | $2,976-87.8% | $2,590-86.0% |
| Participant deferral / active EE | $785 | $3,033-74.1% | $4,568-82.8% | $4,291-81.7% |
| Admin fee / account holder | $3,255 | $2,002+62.6% | $6,430-49.4% | $1,588+104.9% |