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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 | $21,181 | $57,140-62.9% | $85,240-75.2% | $80,959-73.8% |
| Participation rate | 16.3% | 56.4%-40.1pp | 67.5%-51.2pp | 67.7%-51.4pp |
| Annual return | 6.68% | 21.71%-15.0pp | 66.75%-60.1pp | 35.67%-29.0pp |
| Employer contribution / active EE | $378 | $1,802-79.0% | $2,735-86.2% | $2,757-86.3% |
| Participant deferral / active EE | $482 | $3,115-84.5% | $4,527-89.4% | $4,300-88.8% |
| Admin fee / account holder | $1,953 | $4,992-60.9% | $6,165-68.3% | $6,925-71.8% |