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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 | $82,427 | $87,060-5.3% | $105,591-21.9% | $80,911+1.9% |
| Participation rate | 29.8% | 70.4%-40.7pp | 75.3%-45.5pp | 67.6%-37.9pp |
| Annual return | 10.07% | 17.05%-7.0pp | 116.43%-106.4pp | 35.63%-25.6pp |
| Employer contribution / active EE | $684 | $2,396-71.4% | $3,166-78.4% | $2,756-75.2% |
| Participant deferral / active EE | $1,453 | $3,986-63.6% | $5,008-71.0% | $4,297-66.2% |
| Admin fee / account holder | $1,088 | $8,442-87.1% | $11,024-90.1% | $6,935-84.3% |