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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 | $77,814-78.8% | $158,223-89.6% | $86,983-81.0% |
| Participation rate | 42.2% | 68.4%-26.2pp | 79.2%-37.0pp | 69.5%-27.3pp |
| Annual return | 9.70% | 30.54%-20.8pp | 52.09%-42.4pp | 25.83%-16.1pp |
| Employer contribution / active EE | $454 | $2,592-82.5% | $4,109-88.9% | $2,584-82.4% |
| Participant deferral / active EE | $773 | $3,270-76.3% | $5,467-85.9% | $4,194-81.6% |
| Admin fee / account holder | $6,580 | $5,879+11.9% | $16,047-59.0% | $7,856-16.2% |