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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 | $62,086-0.3% | $90,259-31.4% | $64,340-3.8% |
| Participation rate | 37.6% | 53.9%-16.3pp | 70.7%-33.2pp | 55.2%-17.7pp |
| Annual return | 0.86% | 16.73%-15.9pp | 18.88%-18.0pp | 24.14%-23.3pp |
| Employer contribution / active EE | $756 | $1,883-59.8% | $2,291-67.0% | $1,862-59.4% |
| Participant deferral / active EE | $514 | $2,557-79.9% | $3,827-86.6% | $2,980-82.8% |
| Admin fee / account holder | $1,640 | $3,317-50.6% | $7,267-77.4% | $3,703-55.7% |