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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 | $34,857 | $99,875-65.1% | $146,866-76.3% | $86,983-59.9% |
| Participation rate | 20.7% | 75.8%-55.1pp | 82.5%-61.8pp | 69.5%-48.9pp |
| Annual return | 12.20% | 28.10%-15.9pp | 102.85%-90.7pp | 25.83%-13.6pp |
| Employer contribution / active EE | $535 | $3,224-83.4% | $4,425-87.9% | $2,584-79.3% |
| Participant deferral / active EE | $649 | $6,322-89.7% | $7,759-91.6% | $4,194-84.5% |
| Admin fee / account holder | $1,398 | $7,838-82.2% | $13,620-89.7% | $7,856-82.2% |