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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 | $64,235 | $71,197-9.8% | $93,669-31.4% | $80,925-20.6% |
| Participation rate | 55.6% | 60.4%-4.8pp | 68.7%-13.2pp | 67.7%-12.1pp |
| Annual return | 8.40% | 11.27%-2.9pp | 133.59%-125.2pp | 35.65%-27.3pp |
| Employer contribution / active EE | $761 | $1,565-51.4% | $2,424-68.6% | $2,756-72.4% |
| Participant deferral / active EE | $967 | $4,036-76.0% | $4,416-78.1% | $4,299-77.5% |
| Admin fee / account holder | $2,054 | $6,959-70.5% | $8,291-75.2% | $6,940-70.4% |