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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 | $28,708 | $63,845-55.0% | $81,370-64.7% | $80,959-64.5% |
| Participation rate | 8.7% | 63.9%-55.2pp | 69.5%-60.8pp | 67.7%-59.0pp |
| Annual return | 2.23% | 16.37%-14.1pp | 24.85%-22.6pp | 35.67%-33.4pp |
| Employer contribution / active EE | $467 | $1,980-76.4% | $2,464-81.0% | $2,757-83.1% |
| Participant deferral / active EE | $944 | $3,093-69.5% | $3,885-75.7% | $4,300-78.0% |
| Admin fee / account holder | $1,260 | $5,688-77.8% | $5,749-78.1% | $6,925-81.8% |