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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 | $97,648-26.6% | $121,663-41.1% | $87,485-18.0% |
| Participation rate | 58.6% | 70.5%-11.9pp | 74.5%-15.9pp | 68.9%-10.3pp |
| Annual return | 11.54% | 18.03%-6.5pp | 147.54%-136.0pp | 26.06%-14.5pp |
| Employer contribution / active EE | $725 | $2,300-68.5% | $3,020-76.0% | $2,596-72.1% |
| Participant deferral / active EE | $1,494 | $3,923-61.9% | $4,887-69.4% | $4,274-65.0% |
| Admin fee / account holder | $6,014 | $11,100-45.8% | $14,289-57.9% | $7,775-22.6% |