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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 | $33,535 | $52,580-36.2% | $71,671-53.2% | $70,124-52.2% |
| Participation rate | 41.4% | 60.9%-19.5pp | 68.7%-27.4pp | 69.5%-28.2pp |
| Annual return | 11.94% | 20.25%-8.3pp | 20.65%-8.7pp | 73.14%-61.2pp |
| Employer contribution / active EE | $602 | $1,616-62.7% | $2,460-75.5% | $2,342-74.3% |
| Participant deferral / active EE | $785 | $2,386-67.1% | $3,438-77.2% | $3,332-76.4% |
| Admin fee / account holder | $4,936 | $3,653+35.1% | $5,558-11.2% | $4,645+6.3% |