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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 | $122,391 | $76,112+60.8% | $96,534+26.8% | $71,511+71.2% |
| Participation rate | 18.8% | 74.4%-55.7pp | 76.0%-57.2pp | 67.9%-49.2pp |
| Annual return | 13.42% | 22.81%-9.4pp | 25.88%-12.5pp | 28.86%-15.4pp |
| Employer contribution / active EE | $1,551 | $2,248-31.0% | $2,965-47.7% | $2,589-40.1% |
| Participant deferral / active EE | $1,453 | $4,217-65.5% | $4,851-70.0% | $4,291-66.1% |
| Admin fee / account holder | $6,305 | $2,708+132.8% | $8,253-23.6% | $1,588+296.9% |