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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 | $29,967 | $76,834-61.0% | $108,359-72.3% | $87,485-65.7% |
| Participation rate | 40.7% | 61.7%-21.0pp | 70.1%-29.4pp | 68.9%-28.2pp |
| Annual return | 4.62% | 19.09%-14.5pp | 36.89%-32.3pp | 26.06%-21.4pp |
| Employer contribution / active EE | $437 | $1,556-71.9% | $2,399-81.8% | $2,596-83.2% |
| Participant deferral / active EE | $875 | $3,100-71.8% | $4,137-78.9% | $4,274-79.5% |
| Admin fee / account holder | $695 | $6,537-89.4% | $9,741-92.9% | $7,775-91.1% |