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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 | $55,080 | $88,672-37.9% | $105,223-47.7% | $82,448-33.2% |
| Participation rate | 52.6% | 67.9%-15.3pp | 75.0%-22.4pp | 68.1%-15.4pp |
| Annual return | 10.57% | 30.86%-20.3pp | 180.65%-170.1pp | 41.64%-31.1pp |
| Employer contribution / active EE | $979 | $3,048-67.9% | $3,689-73.5% | $2,551-61.6% |
| Participant deferral / active EE | $1,577 | $4,036-60.9% | $5,072-68.9% | $4,139-61.9% |
| Admin fee / account holder | $6,794 | $7,146-4.9% | $8,859-23.3% | $7,234-6.1% |