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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 | $54,507 | $71,230-23.5% | $93,727-41.8% | $80,959-32.7% |
| Participation rate | 19.5% | 60.4%-40.9pp | 68.7%-49.2pp | 67.7%-48.2pp |
| Annual return | 7.97% | 11.26%-3.3pp | 133.83%-125.9pp | 35.67%-27.7pp |
| Employer contribution / active EE | $386 | $1,565-75.4% | $2,421-84.1% | $2,757-86.0% |
| Participant deferral / active EE | $892 | $4,037-77.9% | $4,417-79.8% | $4,300-79.3% |
| Admin fee / account holder | $1,563 | $6,961-77.6% | $8,292-81.2% | $6,925-77.4% |