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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 | $61,379 | $47,944+28.0% | $67,834-9.5% | $62,881-2.4% |
| Participation rate | 64.9% | 61.1%+3.9pp | 68.8%-3.9pp | 69.3%-4.4pp |
| Annual return | 2.82% | 11.77%-8.9pp | 138.47%-135.7pp | 20.14%-17.3pp |
| Employer contribution / active EE | $913 | $1,562-41.5% | $2,403-62.0% | $2,281-60.0% |
| Participant deferral / active EE | $0 | $2,247-100.0% | $3,160-100.0% | $3,203-100.0% |
| Admin fee / account holder | $795 | $3,712-78.6% | $4,622-82.8% | $4,296-81.5% |