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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 | $57,590-59.4% | $86,233-72.9% | $82,448-71.6% |
| Participation rate | 31.3% | 57.9%-26.6pp | 69.0%-37.8pp | 68.1%-36.8pp |
| Annual return | 8.92% | 22.41%-13.5pp | 61.39%-52.5pp | 41.64%-32.7pp |
| Employer contribution / active EE | $777 | $1,655-53.1% | $2,504-69.0% | $2,551-69.6% |
| Participant deferral / active EE | $731 | $3,080-76.3% | $4,559-84.0% | $4,139-82.3% |
| Admin fee / account holder | $1,364 | $4,730-71.2% | $8,342-83.6% | $7,234-81.1% |