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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 | $37,010 | $76,407-51.6% | $150,298-75.4% | $82,448-55.1% |
| Participation rate | 24.4% | 66.4%-42.0pp | 77.8%-53.3pp | 68.1%-43.6pp |
| Annual return | 8.60% | 39.99%-31.4pp | 62.79%-54.2pp | 41.64%-33.0pp |
| Employer contribution / active EE | $582 | $2,614-77.7% | $4,154-86.0% | $2,551-77.2% |
| Participant deferral / active EE | $788 | $3,214-75.5% | $5,453-85.6% | $4,139-81.0% |
| Admin fee / account holder | $18,790 | $6,352+195.8% | $14,116+33.1% | $7,234+159.7% |