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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 | $66,772 | $71,230-6.3% | $93,727-28.8% | $80,959-17.5% |
| Participation rate | 35.7% | 60.4%-24.7pp | 68.7%-33.0pp | 67.7%-32.0pp |
| Annual return | 6.59% | 11.26%-4.7pp | 133.83%-127.2pp | 35.67%-29.1pp |
| Employer contribution / active EE | $469 | $1,565-70.0% | $2,421-80.6% | $2,757-83.0% |
| Participant deferral / active EE | $655 | $4,037-83.8% | $4,417-85.2% | $4,300-84.8% |
| Admin fee / account holder | $3,390 | $6,961-51.3% | $8,292-59.1% | $6,925-51.1% |