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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 | $51,400 | $99,875-48.5% | $146,866-65.0% | $86,983-40.9% |
| Participation rate | 11.5% | 75.8%-64.3pp | 82.5%-71.0pp | 69.5%-58.0pp |
| Annual return | 11.54% | 28.10%-16.6pp | 102.85%-91.3pp | 25.83%-14.3pp |
| Employer contribution / active EE | $319 | $3,224-90.1% | $4,425-92.8% | $2,584-87.7% |
| Participant deferral / active EE | $1,177 | $6,322-81.4% | $7,759-84.8% | $4,194-71.9% |
| Admin fee / account holder | $1,232 | $7,838-84.3% | $13,620-91.0% | $7,856-84.3% |