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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 | $87,931 | $87,132+0.9% | $105,624-16.8% | $80,959+8.6% |
| Participation rate | 61.5% | 70.4%-8.9pp | 75.3%-13.7pp | 67.7%-6.1pp |
| Annual return | 8.54% | 17.03%-8.5pp | 116.20%-107.7pp | 35.67%-27.1pp |
| Employer contribution / active EE | $847 | $2,397-64.7% | $3,168-73.3% | $2,757-69.3% |
| Participant deferral / active EE | $1,380 | $3,985-65.4% | $5,013-72.5% | $4,300-67.9% |
| Admin fee / account holder | $6,501 | $8,449-23.0% | $10,961-40.7% | $6,925-6.1% |