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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 | $20,786 | $56,894-63.5% | $84,753-75.5% | $62,881-66.9% |
| Participation rate | 41.3% | 68.5%-27.3pp | 76.6%-35.3pp | 69.3%-28.0pp |
| Annual return | 3.68% | 6.30%-2.6pp | 22.78%-19.1pp | 20.14%-16.5pp |
| Employer contribution / active EE | $652 | $2,400-72.8% | $3,574-81.7% | $2,281-71.4% |
| Participant deferral / active EE | $1,038 | $2,709-61.7% | $3,712-72.0% | $3,203-67.6% |
| Admin fee / account holder | $1,009 | $3,581-71.8% | $5,333-81.1% | $4,296-76.5% |