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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 | $79,153 | $86,949-9.0% | $102,460-22.7% | $80,959-2.2% |
| Participation rate | 34.2% | 72.4%-38.1pp | 76.5%-42.3pp | 67.7%-33.4pp |
| Annual return | 9.84% | 18.89%-9.1pp | 29.47%-19.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $970 | $2,370-59.0% | $3,025-67.9% | $2,757-64.8% |
| Participant deferral / active EE | $1,436 | $4,121-65.2% | $5,056-71.6% | $4,300-66.6% |
| Admin fee / account holder | $5,585 | $8,048-30.6% | $9,460-41.0% | $6,925-19.4% |