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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 | $63,322 | $71,057-10.9% | $93,654-32.4% | $80,874-21.7% |
| Participation rate | 43.5% | 60.4%-16.9pp | 68.7%-25.2pp | 67.6%-24.2pp |
| Annual return | 8.60% | 11.26%-2.7pp | 133.34%-124.7pp | 35.62%-27.0pp |
| Employer contribution / active EE | $894 | $1,564-42.8% | $2,421-63.1% | $2,756-67.6% |
| Participant deferral / active EE | $660 | $4,034-83.6% | $4,413-85.0% | $4,297-84.6% |
| Admin fee / account holder | $2,085 | $6,944-70.0% | $8,282-74.8% | $6,935-69.9% |