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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 | $9,181 | $36,948-75.2% | $73,658-87.5% | $87,485-89.5% |
| Participation rate | 15.2% | 46.8%-31.7pp | 57.0%-41.9pp | 68.9%-53.8pp |
| Annual return | 12.58% | 28.64%-16.1pp | 29.72%-17.1pp | 26.06%-13.5pp |
| Employer contribution / active EE | $132 | $670-80.3% | $1,032-87.2% | $2,596-94.9% |
| Participant deferral / active EE | $215 | $1,379-84.4% | $2,062-89.6% | $4,274-95.0% |
| Admin fee / account holder | $1,240 | $2,531-51.0% | $3,357-63.1% | $7,775-84.1% |