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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 | $64,920-64.0% | $103,693-77.5% | $86,983-73.1% |
| Participation rate | 58.7% | 63.6%-4.9pp | 72.6%-13.9pp | 69.5%-10.8pp |
| Annual return | 7.90% | 30.29%-22.4pp | 47.61%-39.7pp | 25.83%-17.9pp |
| Employer contribution / active EE | $612 | $2,141-71.4% | $2,920-79.1% | $2,584-76.3% |
| Participant deferral / active EE | $643 | $3,241-80.1% | $4,579-85.9% | $4,194-84.7% |
| Admin fee / account holder | $3,522 | $6,191-43.1% | $7,858-55.2% | $7,856-55.2% |