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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 | $84,008 | $73,787+13.9% | $98,716-14.9% | $82,448+1.9% |
| Participation rate | 31.5% | 61.4%-29.9pp | 69.3%-37.8pp | 68.1%-36.6pp |
| Annual return | 11.46% | 18.57%-7.1pp | 31.81%-20.4pp | 41.64%-30.2pp |
| Employer contribution / active EE | $610 | $1,511-59.6% | $2,279-73.2% | $2,551-76.1% |
| Participant deferral / active EE | $1,126 | $3,081-63.4% | $4,048-72.2% | $4,139-72.8% |
| Admin fee / account holder | $1,047 | $6,500-83.9% | $8,703-88.0% | $7,234-85.5% |