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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 | $53,837 | $97,550-44.8% | $120,344-55.3% | $87,485-38.5% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.7%-19.1pp | 68.9%-11.3pp |
| Annual return | 9.57% | 18.41%-8.8pp | 20.30%-10.7pp | 26.06%-16.5pp |
| Employer contribution / active EE | $770 | $2,291-66.4% | $3,020-74.5% | $2,596-70.4% |
| Participant deferral / active EE | $1,773 | $4,230-58.1% | $5,135-65.5% | $4,274-58.5% |
| Admin fee / account holder | $14,001 | $9,543+46.7% | $12,742+9.9% | $7,775+80.1% |