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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 | $40,602 | $54,541-25.6% | $78,778-48.5% | $70,126-42.1% |
| Participation rate | 19.6% | 60.8%-41.2pp | 69.2%-49.6pp | 69.5%-49.9pp |
| Annual return | 12.01% | 21.07%-9.1pp | 35.62%-23.6pp | 73.15%-61.1pp |
| Employer contribution / active EE | $285 | $1,089-73.9% | $1,986-85.7% | $2,343-87.9% |
| Participant deferral / active EE | $723 | $2,210-67.3% | $2,958-75.6% | $3,332-78.3% |
| Admin fee / account holder | $314 | $3,709-91.5% | $5,134-93.9% | $4,645-93.2% |