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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 | $23,135 | $57,140-59.5% | $85,240-72.9% | $80,959-71.4% |
| Participation rate | 16.3% | 56.4%-40.1pp | 67.5%-51.2pp | 67.7%-51.4pp |
| Annual return | 8.34% | 21.71%-13.4pp | 66.75%-58.4pp | 35.67%-27.3pp |
| Employer contribution / active EE | $344 | $1,802-80.9% | $2,735-87.4% | $2,757-87.5% |
| Participant deferral / active EE | $529 | $3,115-83.0% | $4,527-88.3% | $4,300-87.7% |
| Admin fee / account holder | $2,987 | $4,992-40.2% | $6,165-51.5% | $6,925-56.9% |