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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 | $61,524 | $81,504-24.5% | $102,437-39.9% | $80,959-24.0% |
| Participation rate | 31.9% | 66.9%-34.9pp | 74.5%-42.6pp | 67.7%-35.8pp |
| Annual return | 6.91% | 25.60%-18.7pp | 24.95%-18.0pp | 35.67%-28.8pp |
| Employer contribution / active EE | $847 | $3,104-72.7% | $3,871-78.1% | $2,757-69.3% |
| Participant deferral / active EE | $1,341 | $3,871-65.4% | $5,060-73.5% | $4,300-68.8% |
| Admin fee / account holder | $4,583 | $6,719-31.8% | $8,388-45.4% | $6,925-33.8% |