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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 | $76,959 | $58,627+31.3% | $76,735+0.3% | $82,448-6.7% |
| Participation rate | 20.9% | 63.2%-42.3pp | 69.5%-48.6pp | 68.1%-47.2pp |
| Annual return | 11.02% | 39.10%-28.1pp | 29.77%-18.8pp | 41.64%-30.6pp |
| Employer contribution / active EE | $403 | $1,729-76.7% | $2,454-83.6% | $2,551-84.2% |
| Participant deferral / active EE | $721 | $3,134-77.0% | $4,088-82.4% | $4,139-82.6% |
| Admin fee / account holder | $758 | $5,323-85.8% | $7,189-89.5% | $7,234-89.5% |