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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 | $16,509 | $76,407-78.4% | $150,298-89.0% | $82,448-80.0% |
| Participation rate | 42.2% | 66.4%-24.2pp | 77.8%-35.5pp | 68.1%-25.8pp |
| Annual return | 9.70% | 39.99%-30.3pp | 62.79%-53.1pp | 41.64%-31.9pp |
| Employer contribution / active EE | $454 | $2,614-82.6% | $4,154-89.1% | $2,551-82.2% |
| Participant deferral / active EE | $773 | $3,214-75.9% | $5,453-85.8% | $4,139-81.3% |
| Admin fee / account holder | $6,580 | $6,352+3.6% | $14,116-53.4% | $7,234-9.0% |