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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 | $27,253 | $78,015-65.1% | $178,505-84.7% | $80,959-66.3% |
| Participation rate | 37.9% | 65.7%-27.7pp | 77.1%-39.2pp | 67.7%-29.7pp |
| Annual return | 6.73% | 18.10%-11.4pp | 27.16%-20.4pp | 35.67%-28.9pp |
| Employer contribution / active EE | $763 | $2,281-66.6% | $3,955-80.7% | $2,757-72.3% |
| Participant deferral / active EE | $854 | $4,406-80.6% | $6,280-86.4% | $4,300-80.1% |
| Admin fee / account holder | $3,711 | $7,160-48.2% | $10,428-64.4% | $6,925-46.4% |