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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 | $76,834+9.3% | $108,359-22.5% | $87,485-4.0% |
| Participation rate | 31.5% | 61.7%-30.2pp | 70.1%-38.6pp | 68.9%-37.5pp |
| Annual return | 11.46% | 19.09%-7.6pp | 36.89%-25.4pp | 26.06%-14.6pp |
| Employer contribution / active EE | $610 | $1,556-60.8% | $2,399-74.6% | $2,596-76.5% |
| Participant deferral / active EE | $1,126 | $3,100-63.7% | $4,137-72.8% | $4,274-73.6% |
| Admin fee / account holder | $1,047 | $6,537-84.0% | $9,741-89.2% | $7,775-86.5% |