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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 | $77,574-13.3% | $108,753-38.1% | $86,983-22.7% |
| Participation rate | 29.6% | 62.3%-32.7pp | 71.1%-41.5pp | 69.5%-39.9pp |
| Annual return | 10.58% | 18.42%-7.8pp | 37.47%-26.9pp | 25.83%-15.3pp |
| Employer contribution / active EE | $550 | $1,611-65.9% | $2,427-77.4% | $2,584-78.7% |
| Participant deferral / active EE | $267 | $3,128-91.5% | $4,115-93.5% | $4,194-93.6% |
| Admin fee / account holder | $897 | $6,529-86.3% | $10,320-91.3% | $7,856-88.6% |