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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 | $26,084 | $81,331-67.9% | $155,534-83.2% | $80,935-67.8% |
| Participation rate | 29.0% | 66.3%-37.3pp | 78.2%-49.2pp | 67.7%-38.7pp |
| Annual return | 10.01% | 33.37%-23.4pp | 64.92%-54.9pp | 35.66%-25.7pp |
| Employer contribution / active EE | $425 | $3,105-86.3% | $4,675-90.9% | $2,757-84.6% |
| Participant deferral / active EE | $682 | $3,454-80.3% | $5,630-87.9% | $4,299-84.1% |
| Admin fee / account holder | $1,039 | $7,999-87.0% | $15,900-93.5% | $6,924-85.0% |