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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 | $21,956 | $52,884-58.5% | $84,753-74.1% | $55,167-60.2% |
| Participation rate | 32.8% | 67.5%-34.7pp | 76.6%-43.8pp | 69.0%-36.2pp |
| Annual return | 1.10% | 18.03%-16.9pp | 22.78%-21.7pp | 169.23%-168.1pp |
| Employer contribution / active EE | $797 | $2,233-64.3% | $3,574-77.7% | $1,963-59.4% |
| Participant deferral / active EE | $1,044 | $2,644-60.5% | $3,712-71.9% | $3,054-65.8% |
| Admin fee / account holder | $1,043 | $581+79.6% | $5,333-80.4% | $504+106.9% |