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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 | $64,267 | $63,365+1.4% | $91,994-30.1% | $72,976-11.9% |
| Participation rate | 54.1% | 72.5%-18.5pp | 78.6%-24.6pp | 69.5%-15.4pp |
| Annual return | 17.63% | 35.35%-17.7pp | 69.04%-51.4pp | 81.02%-63.4pp |
| Employer contribution / active EE | $351 | $2,116-83.4% | $3,453-89.8% | $2,440-85.6% |
| Participant deferral / active EE | $2,038 | $4,883-58.3% | $5,924-65.6% | $3,608-43.5% |
| Admin fee / account holder | $8,495 | $4,670+81.9% | $7,744+9.7% | $5,124+65.8% |