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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 | $31,876 | $57,575-44.6% | $124,067-74.3% | $86,983-63.4% |
| Participation rate | 19.5% | 62.3%-42.7pp | 66.9%-47.4pp | 69.5%-50.0pp |
| Annual return | 12.11% | 19.65%-7.5pp | 31.06%-19.0pp | 25.83%-13.7pp |
| Employer contribution / active EE | $471 | $1,615-70.8% | $2,166-78.2% | $2,584-81.8% |
| Participant deferral / active EE | $757 | $2,623-71.1% | $3,463-78.1% | $4,194-81.9% |
| Admin fee / account holder | $8,723 | $8,506+2.5% | $7,351+18.7% | $7,856+11.0% |