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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 | $29,027 | $56,110-48.3% | $94,993-69.4% | $70,126-58.6% |
| Participation rate | 27.3% | 65.0%-37.7pp | 73.9%-46.6pp | 69.5%-42.3pp |
| Annual return | 11.79% | 51.02%-39.2pp | 27.14%-15.4pp | 73.15%-61.4pp |
| Employer contribution / active EE | $384 | $1,442-73.4% | $2,603-85.3% | $2,343-83.6% |
| Participant deferral / active EE | $583 | $2,391-75.6% | $3,317-82.4% | $3,332-82.5% |
| Admin fee / account holder | $9,017 | $3,456+160.9% | $4,960+81.8% | $4,645+94.1% |