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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 | $16,902 | $56,060-69.8% | $76,002-77.8% | $80,874-79.1% |
| Participation rate | 13.2% | 62.0%-48.9pp | 69.1%-55.9pp | 67.6%-54.5pp |
| Annual return | 8.55% | 20.54%-12.0pp | 360.07%-351.5pp | 35.62%-27.1pp |
| Employer contribution / active EE | $605 | $1,873-67.7% | $2,688-77.5% | $2,756-78.0% |
| Participant deferral / active EE | $894 | $3,051-70.7% | $4,257-79.0% | $4,297-79.2% |
| Admin fee / account holder | $3,850 | $5,237-26.5% | $6,414-40.0% | $6,935-44.5% |