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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 | $15,381 | $57,590-73.3% | $86,233-82.2% | $82,448-81.3% |
| Participation rate | 39.6% | 57.9%-18.3pp | 69.0%-29.4pp | 68.1%-28.5pp |
| Annual return | 13.00% | 22.41%-9.4pp | 61.39%-48.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $288 | $1,655-82.6% | $2,504-88.5% | $2,551-88.7% |
| Participant deferral / active EE | $705 | $3,080-77.1% | $4,559-84.5% | $4,139-83.0% |
| Admin fee / account holder | $826 | $4,730-82.5% | $8,342-90.1% | $7,234-88.6% |