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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 | $51,457 | $63,845-19.4% | $81,370-36.8% | $80,959-36.4% |
| Participation rate | 61.5% | 63.9%-2.3pp | 69.5%-8.0pp | 67.7%-6.1pp |
| Annual return | 5.73% | 16.37%-10.6pp | 24.85%-19.1pp | 35.67%-29.9pp |
| Employer contribution / active EE | $572 | $1,980-71.1% | $2,464-76.8% | $2,757-79.3% |
| Participant deferral / active EE | $903 | $3,093-70.8% | $3,885-76.8% | $4,300-79.0% |
| Admin fee / account holder | $1,348 | $5,688-76.3% | $5,749-76.6% | $6,925-80.5% |