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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 | $106,524+7.2% | $152,301-25.0% | $87,485+30.5% |
| Participation rate | 40.7% | 75.8%-35.0pp | 82.4%-41.7pp | 68.9%-28.2pp |
| Annual return | 13.58% | 26.89%-13.3pp | 80.50%-66.9pp | 26.06%-12.5pp |
| Employer contribution / active EE | $709 | $3,371-79.0% | $4,624-84.7% | $2,596-72.7% |
| Participant deferral / active EE | $1,828 | $6,525-72.0% | $8,004-77.2% | $4,274-57.2% |
| Admin fee / account holder | $1,310 | $8,287-84.2% | $14,398-90.9% | $7,775-83.2% |