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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 | $23,404 | $60,442-61.3% | $96,754-75.8% | $87,485-73.2% |
| Participation rate | 31.3% | 58.7%-27.5pp | 70.3%-39.0pp | 68.9%-37.7pp |
| Annual return | 8.92% | 21.97%-13.0pp | 82.04%-73.1pp | 26.06%-17.1pp |
| Employer contribution / active EE | $777 | $1,691-54.1% | $2,679-71.0% | $2,596-70.1% |
| Participant deferral / active EE | $731 | $3,280-77.7% | $4,758-84.6% | $4,274-82.9% |
| Admin fee / account holder | $1,364 | $5,069-73.1% | $8,905-84.7% | $7,775-82.5% |