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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 | $19,174 | $78,690-75.6% | $161,489-88.1% | $87,485-78.1% |
| Participation rate | 58.8% | 67.5%-8.6pp | 78.7%-19.9pp | 68.9%-10.1pp |
| Annual return | 11.11% | 32.74%-21.6pp | 89.72%-78.6pp | 26.06%-14.9pp |
| Employer contribution / active EE | $841 | $2,588-67.5% | $4,268-80.3% | $2,596-67.6% |
| Participant deferral / active EE | $898 | $3,311-72.9% | $5,630-84.0% | $4,274-79.0% |
| Admin fee / account holder | $1,175 | $6,724-82.5% | $16,006-92.7% | $7,775-84.9% |