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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 | $21,228 | $72,269-70.6% | $101,271-79.0% | $79,852-73.4% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 1.47% | 22.29%-20.8pp | 46.48%-45.0pp | 31.72%-30.3pp |
| Employer contribution / active EE | $2,705 | $2,692+0.5% | $3,660-26.1% | $2,471+9.5% |
| Participant deferral / active EE | $649 | $3,282-80.2% | $4,371-85.2% | $3,740-82.7% |
| Admin fee / account holder | $483 | $4,401-89.0% | $5,948-91.9% | $5,306-90.9% |