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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 | $106,524-27.2% | $152,301-49.1% | $87,485-11.4% |
| Participation rate | 33.3% | 75.8%-42.4pp | 82.4%-49.1pp | 68.9%-35.6pp |
| Annual return | 6.45% | 26.89%-20.4pp | 80.50%-74.1pp | 26.06%-19.6pp |
| Employer contribution / active EE | $686 | $3,371-79.6% | $4,624-85.2% | $2,596-73.6% |
| Participant deferral / active EE | $1,693 | $6,525-74.1% | $8,004-78.8% | $4,274-60.4% |
| Admin fee / account holder | $476 | $8,287-94.3% | $14,398-96.7% | $7,775-93.9% |