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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 | $49,089 | $38,969+26.0% | $109,313-55.1% | $55,167-11.0% |
| Participation rate | 15.0% | 58.2%-43.2pp | 71.3%-56.3pp | 69.0%-54.0pp |
| Annual return | 5.11% | 8.26%-3.1pp | 22.07%-17.0pp | 169.23%-164.1pp |
| Employer contribution / active EE | $604 | $1,227-50.8% | $3,892-84.5% | $1,963-69.2% |
| Participant deferral / active EE | $613 | $2,176-71.8% | $3,166-80.6% | $3,054-79.9% |
| Admin fee / account holder | $949 | $501+89.3% | $5,666-83.3% | $504+88.3% |