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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 | $61,916 | $71,106-12.9% | $121,871-49.2% | $69,733-11.2% |
| Participation rate | 37.6% | 62.8%-25.2pp | 73.2%-35.6pp | 62.5%-24.9pp |
| Annual return | 0.86% | 15.43%-14.6pp | 13.57%-12.7pp | 15.22%-14.4pp |
| Employer contribution / active EE | $756 | $2,556-70.4% | $2,731-72.3% | $2,250-66.4% |
| Participant deferral / active EE | $514 | $2,765-81.4% | $4,318-88.1% | $3,054-83.2% |
| Admin fee / account holder | $1,640 | $2,128-22.9% | $11,551-85.8% | $3,102-47.1% |