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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 | $22,696 | $54,541-58.4% | $78,778-71.2% | $70,126-67.6% |
| Participation rate | 55.0% | 60.8%-5.8pp | 69.2%-14.2pp | 69.5%-14.5pp |
| Annual return | 11.60% | 21.07%-9.5pp | 35.62%-24.0pp | 73.15%-61.5pp |
| Employer contribution / active EE | $680 | $1,089-37.6% | $1,986-65.8% | $2,343-71.0% |
| Participant deferral / active EE | $775 | $2,210-65.0% | $2,958-73.8% | $3,332-76.8% |
| Admin fee / account holder | $3,840 | $3,709+3.5% | $5,134-25.2% | $4,645-17.3% |