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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 | $44,174 | $63,314-30.2% | $91,004-51.5% | $62,293-29.1% |
| Participation rate | 32.3% | 73.3%-41.1pp | 75.6%-43.3pp | 69.5%-37.3pp |
| Annual return | 12.71% | 21.00%-8.3pp | 4.60%+8.1pp | 28.90%-16.2pp |
| Employer contribution / active EE | $641 | $1,807-64.6% | $2,456-73.9% | $2,042-68.6% |
| Participant deferral / active EE | $1,035 | $2,944-64.8% | $3,548-70.8% | $3,169-67.3% |
| Admin fee / account holder | $1,936 | $468+314.0% | $5,417-64.3% | $479+303.9% |