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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 | $58,012 | $54,763+5.9% | $90,324-35.8% | $72,976-20.5% |
| Participation rate | 21.4% | 65.2%-43.7pp | 73.3%-51.9pp | 69.5%-48.1pp |
| Annual return | 9.18% | 30.63%-21.5pp | 78.15%-69.0pp | 81.02%-71.8pp |
| Employer contribution / active EE | $680 | $2,093-67.5% | $2,856-76.2% | $2,440-72.1% |
| Participant deferral / active EE | $720 | $2,887-75.0% | $3,885-81.5% | $3,608-80.0% |
| Admin fee / account holder | $12,341 | $3,973+210.6% | $5,356+130.4% | $5,124+140.8% |