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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 | $24,371 | $78,015-68.8% | $178,505-86.3% | $80,959-69.9% |
| Participation rate | 52.0% | 65.7%-13.7pp | 77.1%-25.1pp | 67.7%-15.7pp |
| Annual return | 9.24% | 18.10%-8.9pp | 27.16%-17.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $547 | $2,281-76.0% | $3,955-86.2% | $2,757-80.1% |
| Participant deferral / active EE | $1,086 | $4,406-75.3% | $6,280-82.7% | $4,300-74.7% |
| Admin fee / account holder | $2,764 | $7,160-61.4% | $10,428-73.5% | $6,925-60.1% |