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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 | $76,570 | $56,047+36.6% | $98,716-22.4% | $79,634-3.8% |
| Participation rate | 14.2% | 54.6%-40.4pp | 69.3%-55.1pp | 62.5%-48.2pp |
| Annual return | 12.74% | 17.58%-4.8pp | 31.81%-19.1pp | 36.46%-23.7pp |
| Employer contribution / active EE | $228 | $1,237-81.5% | $2,279-90.0% | $2,529-91.0% |
| Participant deferral / active EE | $508 | $2,469-79.4% | $4,048-87.5% | $3,835-86.8% |
| Admin fee / account holder | $2,343 | $1,512+54.9% | $8,703-73.1% | $1,002+133.8% |