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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 | $62,746 | $84,236-25.5% | $170,435-63.2% | $70,126-10.5% |
| Participation rate | 23.0% | 70.8%-47.8pp | 83.6%-60.6pp | 69.5%-46.6pp |
| Annual return | 10.52% | 23.06%-12.5pp | 205.94%-195.4pp | 73.15%-62.6pp |
| Employer contribution / active EE | $399 | $3,387-88.2% | $5,432-92.6% | $2,343-83.0% |
| Participant deferral / active EE | $700 | $3,086-77.3% | $4,939-85.8% | $3,332-79.0% |
| Admin fee / account holder | $13,377 | $5,698+134.8% | $13,881-3.6% | $4,645+188.0% |