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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 | $31,193 | $77,638-59.8% | $156,552-80.1% | $62,881-50.4% |
| Participation rate | 63.3% | 71.2%-7.9pp | 84.0%-20.7pp | 69.3%-6.0pp |
| Annual return | 4.23% | 50.33%-46.1pp | 32.23%-28.0pp | 20.14%-15.9pp |
| Employer contribution / active EE | $847 | $3,444-75.4% | $5,501-84.6% | $2,281-62.8% |
| Participant deferral / active EE | $624 | $3,046-79.5% | $4,871-87.2% | $3,203-80.5% |
| Admin fee / account holder | $4,873 | $5,561-12.4% | $13,028-62.6% | $4,296+13.4% |