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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 | $27,016 | $57,073-52.7% | $85,126-68.3% | $80,925-66.6% |
| Participation rate | 13.8% | 56.4%-42.6pp | 67.5%-53.7pp | 67.7%-53.9pp |
| Annual return | 8.36% | 21.69%-13.3pp | 66.63%-58.3pp | 35.65%-27.3pp |
| Employer contribution / active EE | $325 | $1,801-82.0% | $2,731-88.1% | $2,756-88.2% |
| Participant deferral / active EE | $684 | $3,113-78.0% | $4,523-84.9% | $4,299-84.1% |
| Admin fee / account holder | $442 | $4,988-91.1% | $6,160-92.8% | $6,940-93.6% |