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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 | $54,507 | $48,364+12.7% | $71,796-24.1% | $62,881-13.3% |
| Participation rate | 36.7% | 60.6%-24.0pp | 69.1%-32.4pp | 69.3%-32.6pp |
| Annual return | 4.77% | 13.16%-8.4pp | 78.04%-73.3pp | 20.14%-15.4pp |
| Employer contribution / active EE | $536 | $1,042-48.5% | $1,924-72.1% | $2,281-76.5% |
| Participant deferral / active EE | $898 | $2,091-57.0% | $2,794-67.9% | $3,203-72.0% |
| Admin fee / account holder | $1,263 | $3,771-66.5% | $4,815-73.8% | $4,296-70.6% |