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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 | $89,727 | $97,550-8.0% | $120,344-25.4% | $87,485+2.6% |
| Participation rate | 20.5% | 72.8%-52.3pp | 76.7%-56.2pp | 68.9%-48.4pp |
| Annual return | 10.78% | 18.41%-7.6pp | 20.30%-9.5pp | 26.06%-15.3pp |
| Employer contribution / active EE | $667 | $2,291-70.9% | $3,020-77.9% | $2,596-74.3% |
| Participant deferral / active EE | $1,677 | $4,230-60.3% | $5,135-67.3% | $4,274-60.8% |
| Admin fee / account holder | $2,028 | $9,543-78.7% | $12,742-84.1% | $7,775-73.9% |