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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 | $30,814 | $46,877-34.3% | $122,354-74.8% | $70,126-56.1% |
| Participation rate | 23.7% | 58.2%-34.5pp | 71.6%-48.0pp | 69.5%-45.9pp |
| Annual return | 11.77% | 24.22%-12.4pp | 30.28%-18.5pp | 73.15%-61.4pp |
| Employer contribution / active EE | $311 | $1,288-75.9% | $4,051-92.3% | $2,343-86.7% |
| Participant deferral / active EE | $725 | $2,167-66.5% | $3,287-77.9% | $3,332-78.2% |
| Admin fee / account holder | $331 | $3,324-90.0% | $5,479-94.0% | $4,645-92.9% |