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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 | $36,008 | $69,977-48.5% | $108,582-66.8% | $62,881-42.7% |
| Participation rate | 36.4% | 72.9%-36.5pp | 79.6%-43.2pp | 69.3%-32.9pp |
| Annual return | 3.55% | 10.73%-7.2pp | -51.70%+55.2pp | 20.14%-16.6pp |
| Employer contribution / active EE | $573 | $2,135-73.2% | $3,758-84.8% | $2,281-74.9% |
| Participant deferral / active EE | $1,334 | $3,165-57.8% | $4,311-69.1% | $3,203-58.4% |
| Admin fee / account holder | $480 | $5,076-90.5% | $7,645-93.7% | $4,296-88.8% |