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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 | $63,522 | $51,166+24.1% | $70,544-10.0% | $71,511-11.2% |
| Participation rate | 19.0% | 59.4%-40.4pp | 68.4%-49.3pp | 67.9%-48.9pp |
| Annual return | 13.25% | 42.71%-29.5pp | 32.79%-19.5pp | 28.86%-15.6pp |
| Employer contribution / active EE | $417 | $1,793-76.8% | $2,976-86.0% | $2,589-83.9% |
| Participant deferral / active EE | $886 | $3,031-70.8% | $4,568-80.6% | $4,291-79.4% |
| Admin fee / account holder | $3,310 | $2,000+65.5% | $6,427-48.5% | $1,588+108.3% |