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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 | $14,235 | $81,276-82.5% | $155,574-90.9% | $80,925-82.4% |
| Participation rate | 19.5% | 66.2%-46.7pp | 78.2%-58.7pp | 67.7%-48.1pp |
| Annual return | 4.62% | 33.36%-28.7pp | 64.87%-60.2pp | 35.65%-31.0pp |
| Employer contribution / active EE | $465 | $3,103-85.0% | $4,676-90.1% | $2,756-83.1% |
| Participant deferral / active EE | $637 | $3,453-81.5% | $5,629-88.7% | $4,299-85.2% |
| Admin fee / account holder | $9,569 | $7,993+19.7% | $15,914-39.9% | $6,940+37.9% |