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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 | $18,971 | $52,580-63.9% | $71,671-73.5% | $70,126-72.9% |
| Participation rate | 47.0% | 60.9%-13.9pp | 68.7%-21.8pp | 69.5%-22.6pp |
| Annual return | 4.74% | 20.25%-15.5pp | 20.65%-15.9pp | 73.15%-68.4pp |
| Employer contribution / active EE | $400 | $1,616-75.2% | $2,460-83.7% | $2,343-82.9% |
| Participant deferral / active EE | $815 | $2,386-65.9% | $3,438-76.3% | $3,332-75.5% |
| Admin fee / account holder | $328 | $3,653-91.0% | $5,558-94.1% | $4,645-92.9% |