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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 | $57,488 | $78,520-26.8% | $96,576-40.5% | $82,448-30.3% |
| Participation rate | 60.0% | 77.7%-17.7pp | 81.4%-21.4pp | 68.1%-8.1pp |
| Annual return | 10.76% | 41.30%-30.5pp | 38.47%-27.7pp | 41.64%-30.9pp |
| Employer contribution / active EE | $296 | $2,630-88.7% | $3,553-91.7% | $2,551-88.4% |
| Participant deferral / active EE | $2,337 | $6,754-65.4% | $7,956-70.6% | $4,139-43.5% |
| Admin fee / account holder | $5,612 | $13,455-58.3% | $11,381-50.7% | $7,234-22.4% |