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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 | $25,340 | $78,690-67.8% | $161,489-84.3% | $87,485-71.0% |
| Participation rate | 44.2% | 67.5%-23.3pp | 78.7%-34.5pp | 68.9%-24.8pp |
| Annual return | 9.02% | 32.74%-23.7pp | 89.72%-80.7pp | 26.06%-17.0pp |
| Employer contribution / active EE | $1,015 | $2,588-60.8% | $4,268-76.2% | $2,596-60.9% |
| Participant deferral / active EE | $686 | $3,311-79.3% | $5,630-87.8% | $4,274-84.0% |
| Admin fee / account holder | $9,380 | $6,724+39.5% | $16,006-41.4% | $7,775+20.6% |