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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 | $67,280 | $76,834-12.4% | $108,359-37.9% | $87,485-23.1% |
| Participation rate | 29.6% | 61.7%-32.1pp | 70.1%-40.5pp | 68.9%-39.3pp |
| Annual return | 10.58% | 19.09%-8.5pp | 36.89%-26.3pp | 26.06%-15.5pp |
| Employer contribution / active EE | $550 | $1,556-64.7% | $2,399-77.1% | $2,596-78.8% |
| Participant deferral / active EE | $267 | $3,100-91.4% | $4,137-93.5% | $4,274-93.8% |
| Admin fee / account holder | $897 | $6,537-86.3% | $9,741-90.8% | $7,775-88.5% |