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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 | $8,963 | $45,312-80.2% | $86,233-89.6% | $67,986-86.8% |
| Participation rate | 55.0% | 42.4%+12.6pp | 69.0%-14.0pp | 57.2%-2.2pp |
| Annual return | 10.19% | 24.79%-14.6pp | 61.39%-51.2pp | 31.67%-21.5pp |
| Employer contribution / active EE | $117 | $1,160-89.9% | $2,504-95.3% | $2,019-94.2% |
| Participant deferral / active EE | $301 | $2,185-86.2% | $4,559-93.4% | $3,358-91.0% |
| Admin fee / account holder | $512 | $3,295-84.4% | $8,342-93.9% | $3,203-84.0% |