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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 | $105,940 | $102,429+3.4% | $147,096-28.0% | $80,925+30.9% |
| Participation rate | 65.0% | 75.9%-10.9pp | 82.2%-17.2pp | 67.7%-2.7pp |
| Annual return | 10.80% | 135.02%-124.2pp | 419.75%-408.9pp | 35.65%-24.8pp |
| Employer contribution / active EE | $1,775 | $3,716-52.2% | $4,936-64.0% | $2,756-35.6% |
| Participant deferral / active EE | $2,462 | $6,649-63.0% | $8,071-69.5% | $4,299-42.7% |
| Admin fee / account holder | $1,092 | $7,957-86.3% | $13,005-91.6% | $6,940-84.3% |