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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 | $30,698 | $69,977-56.1% | $108,582-71.7% | $62,881-51.2% |
| Participation rate | 31.5% | 72.9%-41.4pp | 79.6%-48.1pp | 69.3%-37.8pp |
| Annual return | 4.58% | 10.73%-6.2pp | -51.70%+56.3pp | 20.14%-15.6pp |
| Employer contribution / active EE | $608 | $2,135-71.5% | $3,758-83.8% | $2,281-73.4% |
| Participant deferral / active EE | $1,330 | $3,165-58.0% | $4,311-69.1% | $3,203-58.5% |
| Admin fee / account holder | $2,302 | $5,076-54.7% | $7,645-69.9% | $4,296-46.4% |