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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 | $35,536 | $50,554-29.7% | $67,681-47.5% | $87,485-59.4% |
| Participation rate | 24.0% | 67.7%-43.7pp | 73.7%-49.7pp | 68.9%-44.9pp |
| Annual return | 7.79% | 17.81%-10.0pp | 590.58%-582.8pp | 26.06%-18.3pp |
| Employer contribution / active EE | $550 | $1,988-72.3% | $2,678-79.4% | $2,596-78.8% |
| Participant deferral / active EE | $550 | $2,961-81.4% | $3,976-86.2% | $4,274-87.1% |
| Admin fee / account holder | $3,129 | $4,132-24.3% | $6,100-48.7% | $7,775-59.8% |