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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 | $27,622 | $79,557-65.3% | $118,746-76.7% | $70,124-60.6% |
| Participation rate | 22.0% | 71.4%-49.4pp | 78.3%-56.3pp | 69.5%-47.6pp |
| Annual return | 3.75% | 25.64%-21.9pp | 24.54%-20.8pp | 73.14%-69.4pp |
| Employer contribution / active EE | $924 | $2,861-67.7% | $4,193-78.0% | $2,342-60.6% |
| Participant deferral / active EE | $924 | $4,089-77.4% | $5,332-82.7% | $3,332-72.3% |
| Admin fee / account holder | $3,420 | $5,374-36.4% | $10,720-68.1% | $4,645-26.4% |