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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 | $69,143 | $76,834-10.0% | $108,359-36.2% | $87,485-21.0% |
| Participation rate | 59.3% | 61.7%-2.5pp | 70.1%-10.9pp | 68.9%-9.7pp |
| Annual return | 10.99% | 19.09%-8.1pp | 36.89%-25.9pp | 26.06%-15.1pp |
| Employer contribution / active EE | $542 | $1,556-65.2% | $2,399-77.4% | $2,596-79.1% |
| Participant deferral / active EE | $992 | $3,100-68.0% | $4,137-76.0% | $4,274-76.8% |
| Admin fee / account holder | $1,543 | $6,537-76.4% | $9,741-84.2% | $7,775-80.2% |