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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 | $114,174 | $106,749+7.0% | $145,433-21.5% | $82,448+38.5% |
| Participation rate | 40.7% | 75.6%-34.9pp | 82.1%-41.4pp | 68.1%-27.3pp |
| Annual return | 13.58% | 27.59%-14.0pp | 66.58%-53.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $709 | $3,444-79.4% | $4,554-84.4% | $2,551-72.2% |
| Participant deferral / active EE | $1,828 | $6,519-72.0% | $7,897-76.9% | $4,139-55.8% |
| Admin fee / account holder | $1,310 | $8,390-84.4% | $13,129-90.0% | $7,234-81.9% |