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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 | $32,062 | $83,485-61.6% | $125,192-74.4% | $72,975-56.1% |
| Participation rate | 37.1% | 73.3%-36.2pp | 79.8%-42.7pp | 69.5%-32.4pp |
| Annual return | 5.10% | 25.77%-20.7pp | 43.79%-38.7pp | 81.01%-75.9pp |
| Employer contribution / active EE | $581 | $2,346-75.2% | $3,866-85.0% | $2,440-76.2% |
| Participant deferral / active EE | $838 | $3,586-76.6% | $4,937-83.0% | $3,608-76.8% |
| Admin fee / account holder | $1,220 | $5,518-77.9% | $9,704-87.4% | $5,124-76.2% |