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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 | $61,520 | $104,098-40.9% | $140,514-56.2% | $94,015-34.6% |
| Participation rate | 44.7% | 73.7%-29.0pp | 77.8%-33.1pp | 70.8%-26.1pp |
| Annual return | 5.33% | 15.14%-9.8pp | 14.36%-9.0pp | 17.84%-12.5pp |
| Employer contribution / active EE | $710 | $2,388-70.3% | $3,378-79.0% | $2,790-74.6% |
| Participant deferral / active EE | $1,233 | $4,033-69.4% | $4,919-74.9% | $4,249-71.0% |
| Admin fee / account holder | $12,315 | $10,439+18.0% | $13,697-10.1% | $8,951+37.6% |