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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 | $77,574+8.3% | $108,753-22.8% | $86,983-3.4% |
| Participation rate | 31.5% | 62.3%-30.8pp | 71.1%-39.6pp | 69.5%-38.1pp |
| Annual return | 11.46% | 18.42%-7.0pp | 37.47%-26.0pp | 25.83%-14.4pp |
| Employer contribution / active EE | $610 | $1,611-62.1% | $2,427-74.8% | $2,584-76.4% |
| Participant deferral / active EE | $1,126 | $3,128-64.0% | $4,115-72.6% | $4,194-73.1% |
| Admin fee / account holder | $1,047 | $6,529-84.0% | $10,320-89.9% | $7,856-86.7% |