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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% | $69,611-70.8% | $80,925-74.9% |
| Participation rate | 22.4% | 64.2%-41.8pp | 66.4%-44.0pp | 67.7%-45.2pp |
| Annual return | 10.05% | 19.08%-9.0pp | 101.14%-91.1pp | 35.65%-25.6pp |
| Employer contribution / active EE | $379 | $991-61.8% | $1,709-77.8% | $2,756-86.3% |
| Participant deferral / active EE | $561 | $1,840-69.5% | $2,891-80.6% | $4,299-87.0% |
| Admin fee / account holder | $1,529 | $2,491-38.6% | $4,696-67.4% | $6,940-78.0% |