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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 | $39,995 | $75,541-47.1% | $152,093-73.7% | $82,637-51.6% |
| Participation rate | 21.5% | 66.5%-45.0pp | 77.8%-56.2pp | 68.1%-46.5pp |
| Annual return | 9.28% | 32.56%-23.3pp | 66.36%-57.1pp | 53.51%-44.2pp |
| Employer contribution / active EE | $356 | $2,622-86.4% | $4,175-91.5% | $2,552-86.1% |
| Participant deferral / active EE | $773 | $3,206-75.9% | $5,451-85.8% | $4,126-81.3% |
| Admin fee / account holder | $2,294 | $6,405-64.2% | $14,497-84.2% | $7,339-68.7% |