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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 | $95,453-35.5% | $112,040-45.1% | $82,448-25.4% |
| Participation rate | 44.7% | 72.8%-28.1pp | 76.5%-31.8pp | 68.1%-23.4pp |
| Annual return | 5.33% | 23.92%-18.6pp | 24.52%-19.2pp | 41.64%-36.3pp |
| Employer contribution / active EE | $710 | $2,318-69.4% | $2,954-76.0% | $2,551-72.2% |
| Participant deferral / active EE | $1,233 | $4,224-70.8% | $5,098-75.8% | $4,139-70.2% |
| Admin fee / account holder | $12,315 | $9,013+36.6% | $12,098+1.8% | $7,234+70.2% |