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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 | $20,327 | $25,014-18.7% | $69,701-70.8% | $80,874-74.9% |
| Participation rate | 22.4% | 64.2%-41.8pp | 66.4%-44.0pp | 67.6%-45.2pp |
| Annual return | 10.05% | 19.07%-9.0pp | 100.32%-90.3pp | 35.62%-25.6pp |
| Employer contribution / active EE | $379 | $993-61.8% | $1,713-77.9% | $2,756-86.2% |
| Participant deferral / active EE | $561 | $1,839-69.5% | $2,887-80.6% | $4,297-86.9% |
| Admin fee / account holder | $1,529 | $2,488-38.5% | $4,717-67.6% | $6,935-77.9% |