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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 | $135,982 | $64,920+109.5% | $103,693+31.1% | $86,983+56.3% |
| Participation rate | 18.5% | 63.6%-45.1pp | 72.6%-54.1pp | 69.5%-51.0pp |
| Annual return | 10.90% | 30.29%-19.4pp | 47.61%-36.7pp | 25.83%-14.9pp |
| Employer contribution / active EE | $1,222 | $2,141-42.9% | $2,920-58.2% | $2,584-52.7% |
| Participant deferral / active EE | $120 | $3,241-96.3% | $4,579-97.4% | $4,194-97.1% |
| Admin fee / account holder | $8,074 | $6,191+30.4% | $7,858+2.7% | $7,856+2.8% |