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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 | $87,639 | $65,027+34.8% | $90,970-3.7% | $79,852+9.8% |
| Participation rate | 18.9% | 61.6%-42.7pp | 69.0%-50.1pp | 69.6%-50.7pp |
| Annual return | 7.50% | 30.45%-23.0pp | 134.58%-127.1pp | 31.72%-24.2pp |
| Employer contribution / active EE | $282 | $1,247-77.4% | $2,122-86.7% | $2,471-88.6% |
| Participant deferral / active EE | $448 | $2,512-82.2% | $3,373-86.7% | $3,740-88.0% |
| Admin fee / account holder | $2,407 | $4,535-46.9% | $5,960-59.6% | $5,306-54.6% |