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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 | $53,772 | $48,327+11.3% | $67,575-20.4% | $80,935-33.6% |
| Participation rate | 68.1% | 66.4%+1.7pp | 72.9%-4.8pp | 67.7%+0.4pp |
| Annual return | 10.62% | 18.31%-7.7pp | 3528.98%-3518.4pp | 35.66%-25.0pp |
| Employer contribution / active EE | $4,831 | $2,022+138.9% | $2,736+76.6% | $2,757+75.3% |
| Participant deferral / active EE | $80 | $2,927-97.3% | $4,003-98.0% | $4,299-98.1% |
| Admin fee / account holder | $4,316 | $3,692+16.9% | $3,993+8.1% | $6,924-37.7% |