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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 | $59,693 | $52,580+13.5% | $71,671-16.7% | $70,126-14.9% |
| Participation rate | 65.4% | 60.9%+4.5pp | 68.7%-3.4pp | 69.5%-4.2pp |
| Annual return | 1.57% | 20.25%-18.7pp | 20.65%-19.1pp | 73.15%-71.6pp |
| Employer contribution / active EE | $488 | $1,616-69.8% | $2,460-80.1% | $2,343-79.2% |
| Participant deferral / active EE | $0 | $2,386-100.0% | $3,438-100.0% | $3,332-100.0% |
| Admin fee / account holder | $665 | $3,653-81.8% | $5,558-88.0% | $4,645-85.7% |