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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 | $58,763 | $81,358-27.8% | $155,556-62.2% | $80,959-27.4% |
| Participation rate | 16.0% | 66.3%-50.3pp | 78.2%-62.2pp | 67.7%-51.7pp |
| Annual return | 5.80% | 33.39%-27.6pp | 64.84%-59.0pp | 35.67%-29.9pp |
| Employer contribution / active EE | $392 | $3,106-87.4% | $4,675-91.6% | $2,757-85.8% |
| Participant deferral / active EE | $846 | $3,455-75.5% | $5,631-85.0% | $4,300-80.3% |
| Admin fee / account holder | $2,610 | $7,994-67.3% | $15,885-83.6% | $6,925-62.3% |