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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 | $40,631 | $71,230-43.0% | $93,727-56.6% | $80,959-49.8% |
| Participation rate | 60.3% | 60.4%-0.1pp | 68.7%-8.5pp | 67.7%-7.4pp |
| Annual return | 8.62% | 11.26%-2.6pp | 133.83%-125.2pp | 35.67%-27.1pp |
| Employer contribution / active EE | $476 | $1,565-69.6% | $2,421-80.4% | $2,757-82.7% |
| Participant deferral / active EE | $1,122 | $4,037-72.2% | $4,417-74.6% | $4,300-73.9% |
| Admin fee / account holder | $1,551 | $6,961-77.7% | $8,292-81.3% | $6,925-77.6% |