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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 | $9,320 | $116,360-92.0% | $65,566-85.8% | $139,466-93.3% |
| Participation rate | 39.1% | 67.8%-28.6pp | 64.9%-25.8pp | 80.3%-41.2pp |
| Annual return | 5.57% | 31.23%-25.7pp | 47.40%-41.8pp | 373.66%-368.1pp |
| Employer contribution / active EE | $2,932 | $2,600+12.8% | $1,692+73.3% | $4,754-38.3% |
| Participant deferral / active EE | $402 | $4,242-90.5% | $2,832-85.8% | $6,712-94.0% |
| Admin fee / account holder | $1,109 | $6,701-83.4% | $4,114-73.0% | $11,409-90.3% |