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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 | $22,782 | $63,365-64.0% | $91,994-75.2% | $72,975-68.8% |
| Participation rate | 26.3% | 72.5%-46.2pp | 78.6%-52.3pp | 69.5%-43.2pp |
| Annual return | 19.15% | 35.35%-16.2pp | 69.04%-49.9pp | 81.01%-61.9pp |
| Employer contribution / active EE | $525 | $2,116-75.2% | $3,453-84.8% | $2,440-78.5% |
| Participant deferral / active EE | $1,291 | $4,883-73.6% | $5,924-78.2% | $3,608-64.2% |
| Admin fee / account holder | $2,743 | $4,670-41.3% | $7,744-64.6% | $5,124-46.5% |