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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 | $36,289 | $68,878-47.3% | $120,574-69.9% | $80,935-55.2% |
| Participation rate | 32.9% | 61.7%-28.7pp | 71.9%-39.0pp | 67.7%-34.7pp |
| Annual return | 9.03% | 23.67%-14.6pp | 107.42%-98.4pp | 35.66%-26.6pp |
| Employer contribution / active EE | $633 | $2,065-69.3% | $3,471-81.8% | $2,757-77.0% |
| Participant deferral / active EE | $997 | $3,189-68.7% | $4,996-80.0% | $4,299-76.8% |
| Admin fee / account holder | $3,877 | $5,782-32.9% | $9,445-58.9% | $6,924-44.0% |