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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 | $117,142 | $107,421+9.0% | $182,262-35.7% | $94,015+24.6% |
| Participation rate | 34.1% | 77.8%-43.7pp | 84.2%-50.1pp | 70.8%-36.7pp |
| Annual return | 11.19% | 21.32%-10.1pp | 140.60%-129.4pp | 17.84%-6.7pp |
| Employer contribution / active EE | $503 | $3,448-85.4% | $5,046-90.0% | $2,790-82.0% |
| Participant deferral / active EE | $684 | $6,558-89.6% | $8,276-91.7% | $4,249-83.9% |
| Admin fee / account holder | $800 | $8,692-90.8% | $16,712-95.2% | $8,951-91.1% |