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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 | $108,682 | $108,825-0.1% | $156,181-30.4% | $82,448+31.8% |
| Participation rate | 50.0% | 72.4%-22.4pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | 9.03% | 20.59%-11.6pp | 64.87%-55.8pp | 41.64%-32.6pp |
| Employer contribution / active EE | $1,045 | $2,870-63.6% | $4,294-75.7% | $2,551-59.0% |
| Participant deferral / active EE | $1,965 | $4,577-57.1% | $6,132-68.0% | $4,139-52.5% |
| Admin fee / account holder | $910 | $9,341-90.3% | $14,586-93.8% | $7,234-87.4% |