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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 | $63,022 | $63,365-0.5% | $91,994-31.5% | $72,975-13.6% |
| Participation rate | 67.4% | 72.5%-5.1pp | 78.6%-11.3pp | 69.5%-2.1pp |
| Annual return | 4.32% | 35.35%-31.0pp | 69.04%-64.7pp | 81.01%-76.7pp |
| Employer contribution / active EE | $2,122 | $2,116+0.3% | $3,453-38.5% | $2,440-13.0% |
| Participant deferral / active EE | $1,901 | $4,883-61.1% | $5,924-67.9% | $3,608-47.3% |
| Admin fee / account holder | $407 | $4,670-91.3% | $7,744-94.7% | $5,124-92.1% |