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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 | $29,176 | $76,407-61.8% | $150,298-80.6% | $82,448-64.6% |
| Participation rate | 30.3% | 66.4%-36.1pp | 77.8%-47.5pp | 68.1%-37.8pp |
| Annual return | 12.99% | 39.99%-27.0pp | 62.79%-49.8pp | 41.64%-28.6pp |
| Employer contribution / active EE | $373 | $2,614-85.7% | $4,154-91.0% | $2,551-85.4% |
| Participant deferral / active EE | $829 | $3,214-74.2% | $5,453-84.8% | $4,139-80.0% |
| Admin fee / account holder | $3,307 | $6,352-47.9% | $14,116-76.6% | $7,234-54.3% |