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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 | $103,722 | $102,429+1.3% | $147,096-29.5% | $80,925+28.2% |
| Participation rate | 39.5% | 75.9%-36.3pp | 82.2%-42.6pp | 67.7%-28.1pp |
| Annual return | 11.39% | 135.02%-123.6pp | 419.75%-408.4pp | 35.65%-24.3pp |
| Employer contribution / active EE | $1,072 | $3,716-71.1% | $4,936-78.3% | $2,756-61.1% |
| Participant deferral / active EE | $2,179 | $6,649-67.2% | $8,071-73.0% | $4,299-49.3% |
| Admin fee / account holder | $9,986 | $7,957+25.5% | $13,005-23.2% | $6,940+43.9% |