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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 | $54,297-35.2% | $97,032-63.8% | $65,306-46.1% |
| Participation rate | 9.0% | 42.3%-33.3pp | 71.6%-62.5pp | 57.7%-48.7pp |
| Annual return | 9.44% | 21.17%-11.7pp | 35.38%-25.9pp | 21.94%-12.5pp |
| Employer contribution / active EE | $299 | $1,365-78.1% | $2,629-88.6% | $1,967-84.8% |
| Participant deferral / active EE | $430 | $2,259-81.0% | $4,672-90.8% | $2,959-85.5% |
| Admin fee / account holder | $2,681 | $3,744-28.4% | $9,418-71.5% | $3,480-23.0% |