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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 | $79,561 | $98,766-19.4% | $149,730-46.9% | $79,852-0.4% |
| Participation rate | 67.7% | 75.8%-8.0pp | 82.5%-14.7pp | 69.6%-1.9pp |
| Annual return | 11.47% | 27.43%-16.0pp | 276.70%-265.2pp | 31.72%-20.3pp |
| Employer contribution / active EE | $1,516 | $3,217-52.9% | $4,645-67.4% | $2,471-38.6% |
| Participant deferral / active EE | $2,345 | $5,681-58.7% | $6,843-65.7% | $3,740-37.3% |
| Admin fee / account holder | $2,273 | $6,052-62.4% | $9,310-75.6% | $5,306-57.2% |