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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 | $65,697 | $37,156+76.8% | $83,854-21.7% | $86,983-24.5% |
| Participation rate | 18.8% | 49.1%-30.3pp | 59.1%-40.4pp | 69.5%-50.8pp |
| Annual return | 12.14% | 29.88%-17.7pp | 31.39%-19.3pp | 25.83%-13.7pp |
| Employer contribution / active EE | $28 | $661-95.7% | $1,017-97.2% | $2,584-98.9% |
| Participant deferral / active EE | $281 | $1,418-80.2% | $2,035-86.2% | $4,194-93.3% |
| Admin fee / account holder | $901 | $2,510-64.1% | $3,197-71.8% | $7,856-88.5% |