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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 | $21,041 | $56,894-63.0% | $84,753-75.2% | $62,881-66.5% |
| Participation rate | 50.0% | 68.5%-18.5pp | 76.6%-26.6pp | 69.3%-19.3pp |
| Annual return | 2.97% | 6.30%-3.3pp | 22.78%-19.8pp | 20.14%-17.2pp |
| Employer contribution / active EE | $523 | $2,400-78.2% | $3,574-85.4% | $2,281-77.1% |
| Participant deferral / active EE | $963 | $2,709-64.4% | $3,712-74.0% | $3,203-69.9% |
| Admin fee / account holder | $995 | $3,581-72.2% | $5,333-81.3% | $4,296-76.8% |