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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 | $58,788 | $49,255+19.4% | $70,494-16.6% | $79,856-26.4% |
| Participation rate | 20.0% | 69.2%-49.2pp | 75.1%-55.1pp | 69.6%-49.6pp |
| Annual return | 5.87% | 30.10%-24.2pp | 109.16%-103.3pp | 31.71%-25.8pp |
| Employer contribution / active EE | $380 | $2,100-81.9% | $2,738-86.1% | $2,471-84.6% |
| Participant deferral / active EE | $681 | $2,768-75.4% | $3,711-81.7% | $3,741-81.8% |
| Admin fee / account holder | $714 | $2,879-75.2% | $3,848-81.4% | $5,306-86.5% |