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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 | $109,380 | $80,731+35.5% | $103,378+5.8% | $74,400+47.0% |
| Participation rate | 20.3% | 65.7%-45.4pp | 74.5%-54.2pp | 67.2%-46.9pp |
| Annual return | 9.78% | 27.56%-17.8pp | 24.91%-15.1pp | 1367.51%-1357.7pp |
| Employer contribution / active EE | $1,503 | $3,159-52.4% | $3,870-61.2% | $2,624-42.7% |
| Participant deferral / active EE | $1,446 | $3,862-62.6% | $5,058-71.4% | $4,348-66.7% |
| Admin fee / account holder | $899 | $2,369-62.1% | $8,401-89.3% | $1,944-53.8% |