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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 | $61,014 | $78,197-22.0% | $98,090-37.8% | $82,637-26.2% |
| Participation rate | 46.7% | 77.5%-30.8pp | 81.5%-34.9pp | 68.1%-21.4pp |
| Annual return | 12.58% | 40.25%-27.7pp | 37.05%-24.5pp | 53.51%-40.9pp |
| Employer contribution / active EE | $91 | $2,605-96.5% | $3,606-97.5% | $2,552-96.4% |
| Participant deferral / active EE | $1,076 | $6,636-83.8% | $7,845-86.3% | $4,126-73.9% |
| Admin fee / account holder | $2,992 | $14,832-79.8% | $11,815-74.7% | $7,339-59.2% |