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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 | $49,707 | $47,848+3.9% | $81,473-39.0% | $70,126-29.1% |
| Participation rate | 14.9% | 58.3%-43.4pp | 68.0%-53.1pp | 69.5%-54.6pp |
| Annual return | 10.38% | 27.25%-16.9pp | 38.78%-28.4pp | 73.15%-62.8pp |
| Employer contribution / active EE | $339 | $1,527-77.8% | $2,568-86.8% | $2,343-85.5% |
| Participant deferral / active EE | $469 | $2,453-80.9% | $3,537-86.7% | $3,332-85.9% |
| Admin fee / account holder | $5,354 | $3,145+70.2% | $4,561+17.4% | $4,645+15.2% |