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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 | $8,555 | $37,446-77.2% | $77,513-89.0% | $79,852-89.3% |
| Participation rate | 13.3% | 41.5%-28.2pp | 54.2%-40.9pp | 69.6%-56.3pp |
| Annual return | 9.44% | 39.76%-30.3pp | 54.81%-45.4pp | 31.72%-22.3pp |
| Employer contribution / active EE | $138 | $637-78.3% | $987-86.0% | $2,471-94.4% |
| Participant deferral / active EE | $194 | $1,261-84.6% | $1,861-89.6% | $3,740-94.8% |
| Admin fee / account holder | $1,488 | $2,506-40.6% | $2,859-48.0% | $5,306-72.0% |