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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 | $60,340 | $81,334-25.8% | $113,397-46.8% | $64,097-5.9% |
| Participation rate | 34.3% | 65.6%-31.3pp | 76.5%-42.2pp | 55.2%-20.9pp |
| Annual return | 10.67% | 32.50%-21.8pp | 23.20%-12.5pp | 34.64%-24.0pp |
| Employer contribution / active EE | $604 | $2,077-70.9% | $2,977-79.7% | $1,891-68.1% |
| Participant deferral / active EE | $1,396 | $3,795-63.2% | $5,076-72.5% | $3,080-54.7% |
| Admin fee / account holder | $7,169 | $4,208+70.4% | $11,957-40.0% | $3,454+107.5% |