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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 | $51,821 | $87,166-40.5% | $76,735-32.5% | $137,256-62.2% |
| Participation rate | 38.5% | 74.4%-35.9pp | 69.5%-31.0pp | 80.0%-41.5pp |
| Annual return | 8.73% | 26.50%-17.8pp | 29.77%-21.0pp | 220.34%-211.6pp |
| Employer contribution / active EE | $676 | $2,904-76.7% | $2,454-72.4% | $4,156-83.7% |
| Participant deferral / active EE | $676 | $4,726-85.7% | $4,088-83.5% | $6,407-89.4% |
| Admin fee / account holder | $11,629 | $8,403+38.4% | $7,189+61.8% | $12,270-5.2% |