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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 | $61,310 | $69,590-11.9% | $136,867-55.2% | $94,015-34.8% |
| Participation rate | 20.6% | 66.3%-45.7pp | 74.5%-54.0pp | 70.8%-50.2pp |
| Annual return | 5.17% | 19.62%-14.4pp | 42.97%-37.8pp | 17.84%-12.7pp |
| Employer contribution / active EE | $379 | $2,396-84.2% | $3,547-89.3% | $2,790-86.4% |
| Participant deferral / active EE | $888 | $3,437-74.1% | $4,924-82.0% | $4,249-79.1% |
| Admin fee / account holder | $42,926 | $8,912+381.7% | $10,340+315.1% | $8,951+379.6% |