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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 | $70,766 | $79,894-11.4% | $135,792-47.9% | $82,637-14.4% |
| Participation rate | 34.2% | 63.0%-28.8pp | 72.6%-38.4pp | 68.1%-33.8pp |
| Annual return | 11.41% | 17.20%-5.8pp | 25.96%-14.5pp | 53.51%-42.1pp |
| Employer contribution / active EE | $643 | $2,165-70.3% | $3,496-81.6% | $2,552-74.8% |
| Participant deferral / active EE | $908 | $3,194-71.6% | $4,759-80.9% | $4,126-78.0% |
| Admin fee / account holder | $1,869 | $6,434-70.9% | $12,266-84.8% | $7,339-74.5% |