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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 | $33,073 | $57,828-42.8% | $117,039-71.7% | $70,126-52.8% |
| Participation rate | 64.3% | 67.1%-2.8pp | 77.2%-12.9pp | 69.5%-5.3pp |
| Annual return | 9.69% | 17.55%-7.9pp | 18.95%-9.3pp | 73.15%-63.5pp |
| Employer contribution / active EE | $687 | $1,816-62.2% | $3,785-81.8% | $2,343-70.7% |
| Participant deferral / active EE | $687 | $2,438-71.8% | $3,929-82.5% | $3,332-79.4% |
| Admin fee / account holder | $483 | $3,548-86.4% | $5,974-91.9% | $4,645-89.6% |