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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 | $26,683 | $72,471-63.2% | $94,215-71.7% | $86,983-69.3% |
| Participation rate | 18.5% | 63.9%-45.3pp | 70.0%-51.4pp | 69.5%-51.0pp |
| Annual return | 2.36% | 26.44%-24.1pp | 28.22%-25.9pp | 25.83%-23.5pp |
| Employer contribution / active EE | $501 | $1,936-74.1% | $2,675-81.3% | $2,584-80.6% |
| Participant deferral / active EE | $971 | $3,397-71.4% | $4,276-77.3% | $4,194-76.9% |
| Admin fee / account holder | $518 | $6,468-92.0% | $10,216-94.9% | $7,856-93.4% |