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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 | $95,281 | $97,550-2.3% | $120,344-20.8% | $87,485+8.9% |
| Participation rate | 33.8% | 72.8%-39.0pp | 76.7%-42.9pp | 68.9%-35.1pp |
| Annual return | 11.03% | 18.41%-7.4pp | 20.30%-9.3pp | 26.06%-15.0pp |
| Employer contribution / active EE | $691 | $2,291-69.9% | $3,020-77.1% | $2,596-73.4% |
| Participant deferral / active EE | $980 | $4,230-76.8% | $5,135-80.9% | $4,274-77.1% |
| Admin fee / account holder | $2,990 | $9,543-68.7% | $12,742-76.5% | $7,775-61.5% |