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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 | $55,997 | $68,880-18.7% | $120,580-53.6% | $80,959-30.8% |
| Participation rate | 18.2% | 61.7%-43.5pp | 72.0%-53.8pp | 67.7%-49.5pp |
| Annual return | 8.44% | 23.68%-15.2pp | 107.48%-99.0pp | 35.67%-27.2pp |
| Employer contribution / active EE | $531 | $2,066-74.3% | $3,469-84.7% | $2,757-80.7% |
| Participant deferral / active EE | $687 | $3,191-78.5% | $4,995-86.2% | $4,300-84.0% |
| Admin fee / account holder | $11,601 | $5,785+100.5% | $9,418+23.2% | $6,925+67.5% |