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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 | $78,690-53.0% | $161,489-77.1% | $87,485-57.7% |
| Participation rate | 24.4% | 67.5%-43.0pp | 78.7%-54.3pp | 68.9%-44.5pp |
| Annual return | 8.60% | 32.74%-24.1pp | 89.72%-81.1pp | 26.06%-17.5pp |
| Employer contribution / active EE | $582 | $2,588-77.5% | $4,268-86.4% | $2,596-77.6% |
| Participant deferral / active EE | $788 | $3,311-76.2% | $5,630-86.0% | $4,274-81.6% |
| Admin fee / account holder | $18,790 | $6,724+179.5% | $16,006+17.4% | $7,775+141.7% |