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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 | $81,276-27.7% | $155,574-62.2% | $80,925-27.4% |
| Participation rate | 16.0% | 66.2%-50.2pp | 78.2%-62.2pp | 67.7%-51.7pp |
| Annual return | 5.80% | 33.36%-27.6pp | 64.87%-59.1pp | 35.65%-29.8pp |
| Employer contribution / active EE | $392 | $3,103-87.4% | $4,676-91.6% | $2,756-85.8% |
| Participant deferral / active EE | $846 | $3,453-75.5% | $5,629-85.0% | $4,299-80.3% |
| Admin fee / account holder | $2,610 | $7,993-67.3% | $15,914-83.6% | $6,940-62.4% |