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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 | $35,174 | $45,312-22.4% | $86,233-59.2% | $67,986-48.3% |
| Participation rate | 9.0% | 42.4%-33.4pp | 69.0%-60.0pp | 57.2%-48.2pp |
| Annual return | 9.44% | 24.79%-15.3pp | 61.39%-51.9pp | 31.67%-22.2pp |
| Employer contribution / active EE | $299 | $1,160-74.2% | $2,504-88.1% | $2,019-85.2% |
| Participant deferral / active EE | $430 | $2,185-80.3% | $4,559-90.6% | $3,358-87.2% |
| Admin fee / account holder | $2,681 | $3,295-18.6% | $8,342-67.9% | $3,203-16.3% |