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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 | $23,364 | $69,590-66.4% | $136,867-82.9% | $94,015-75.1% |
| Participation rate | 58.7% | 66.3%-7.6pp | 74.5%-15.8pp | 70.8%-12.1pp |
| Annual return | 7.90% | 19.62%-11.7pp | 42.97%-35.1pp | 17.84%-9.9pp |
| Employer contribution / active EE | $612 | $2,396-74.5% | $3,547-82.8% | $2,790-78.1% |
| Participant deferral / active EE | $643 | $3,437-81.3% | $4,924-86.9% | $4,249-84.9% |
| Admin fee / account holder | $3,522 | $8,912-60.5% | $10,340-65.9% | $8,951-60.7% |