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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 | $27,657 | $80,985-65.8% | $96,576-71.4% | $75,181-63.2% |
| Participation rate | 35.1% | 71.8%-36.6pp | 76.0%-40.8pp | 67.2%-32.1pp |
| Annual return | 9.51% | 27.05%-17.5pp | 25.87%-16.4pp | 160.69%-151.2pp |
| Employer contribution / active EE | $677 | $2,282-70.3% | $2,965-77.2% | $2,671-74.7% |
| Participant deferral / active EE | $1,259 | $3,929-67.9% | $4,851-74.0% | $4,126-69.5% |
| Admin fee / account holder | $4,803 | $6,719-28.5% | $8,253-41.8% | $5,650-15.0% |