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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 | $56,153 | $87,166-35.6% | $76,735-26.8% | $137,256-59.1% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.5%-19.5pp | 80.0%-30.0pp |
| Annual return | 9.20% | 26.50%-17.3pp | 29.77%-20.6pp | 220.34%-211.1pp |
| Employer contribution / active EE | $779 | $2,904-73.2% | $2,454-68.2% | $4,156-81.2% |
| Participant deferral / active EE | $931 | $4,726-80.3% | $4,088-77.2% | $6,407-85.5% |
| Admin fee / account holder | $21,308 | $8,403+153.6% | $7,189+196.4% | $12,270+73.7% |