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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 | $71,706 | $94,031-23.7% | $115,768-38.1% | $82,448-13.0% |
| Participation rate | 58.6% | 70.4%-11.8pp | 74.4%-15.8pp | 68.1%-9.4pp |
| Annual return | 11.54% | 20.61%-9.1pp | 100.46%-88.9pp | 41.64%-30.1pp |
| Employer contribution / active EE | $725 | $2,323-68.8% | $2,940-75.3% | $2,551-71.6% |
| Participant deferral / active EE | $1,494 | $3,972-62.4% | $4,917-69.6% | $4,139-63.9% |
| Admin fee / account holder | $6,014 | $10,249-41.3% | $12,439-51.7% | $7,234-16.9% |