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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 | $77,521 | $107,421-27.8% | $182,262-57.5% | $94,015-17.5% |
| Participation rate | 33.3% | 77.8%-44.4pp | 84.2%-50.9pp | 70.8%-37.5pp |
| Annual return | 6.45% | 21.32%-14.9pp | 140.60%-134.1pp | 17.84%-11.4pp |
| Employer contribution / active EE | $686 | $3,448-80.1% | $5,046-86.4% | $2,790-75.4% |
| Participant deferral / active EE | $1,693 | $6,558-74.2% | $8,276-79.5% | $4,249-60.2% |
| Admin fee / account holder | $476 | $8,692-94.5% | $16,712-97.2% | $8,951-94.7% |