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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 | $54,140 | $98,766-45.2% | $149,730-63.8% | $79,852-32.2% |
| Participation rate | 68.0% | 75.8%-7.8pp | 82.5%-14.5pp | 69.6%-1.6pp |
| Annual return | 8.24% | 27.43%-19.2pp | 276.70%-268.5pp | 31.72%-23.5pp |
| Employer contribution / active EE | $674 | $3,217-79.1% | $4,645-85.5% | $2,471-72.7% |
| Participant deferral / active EE | $1,493 | $5,681-73.7% | $6,843-78.2% | $3,740-60.1% |
| Admin fee / account holder | $3,094 | $6,052-48.9% | $9,310-66.8% | $5,306-41.7% |