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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 | $11,128 | $81,331-86.3% | $155,534-92.8% | $80,935-86.3% |
| Participation rate | 26.3% | 66.3%-39.9pp | 78.2%-51.9pp | 67.7%-41.3pp |
| Annual return | 5.36% | 33.37%-28.0pp | 64.92%-59.6pp | 35.66%-30.3pp |
| Employer contribution / active EE | $414 | $3,105-86.7% | $4,675-91.1% | $2,757-85.0% |
| Participant deferral / active EE | $834 | $3,454-75.9% | $5,630-85.2% | $4,299-80.6% |
| Admin fee / account holder | $663 | $7,999-91.7% | $15,900-95.8% | $6,924-90.4% |