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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 | $24,104 | $64,359-62.5% | $90,161-73.3% | $70,126-65.6% |
| Participation rate | 24.0% | 70.4%-46.4pp | 76.9%-52.9pp | 69.5%-45.5pp |
| Annual return | 12.83% | 28.13%-15.3pp | 34.89%-22.1pp | 73.15%-60.3pp |
| Employer contribution / active EE | $533 | $2,046-73.9% | $3,318-83.9% | $2,343-77.2% |
| Participant deferral / active EE | $1,212 | $4,389-72.4% | $5,287-77.1% | $3,332-63.6% |
| Admin fee / account holder | $1,229 | $3,945-68.8% | $5,943-79.3% | $4,645-73.5% |