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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 | $97,550-36.9% | $120,344-48.9% | $87,485-29.7% |
| Participation rate | 44.7% | 72.8%-28.1pp | 76.7%-32.0pp | 68.9%-24.3pp |
| Annual return | 5.33% | 18.41%-13.1pp | 20.30%-15.0pp | 26.06%-20.7pp |
| Employer contribution / active EE | $710 | $2,291-69.0% | $3,020-76.5% | $2,596-72.7% |
| Participant deferral / active EE | $1,233 | $4,230-70.8% | $5,135-76.0% | $4,274-71.1% |
| Admin fee / account holder | $12,315 | $9,543+29.1% | $12,742-3.3% | $7,775+58.4% |