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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 | $22,506 | $65,027-65.4% | $90,970-75.3% | $79,852-71.8% |
| Participation rate | 50.8% | 61.6%-10.8pp | 69.0%-18.2pp | 69.6%-18.8pp |
| Annual return | 8.03% | 30.45%-22.4pp | 134.58%-126.5pp | 31.72%-23.7pp |
| Employer contribution / active EE | $727 | $1,247-41.7% | $2,122-65.7% | $2,471-70.6% |
| Participant deferral / active EE | $928 | $2,512-63.0% | $3,373-72.5% | $3,740-75.2% |
| Admin fee / account holder | $1,845 | $4,535-59.3% | $5,960-69.0% | $5,306-65.2% |