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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 | $161,343 | $91,559+76.2% | $133,971+20.4% | $79,852+102.1% |
| Participation rate | 11.5% | 73.3%-61.8pp | 79.8%-68.3pp | 69.6%-58.1pp |
| Annual return | 7.78% | 61.85%-54.1pp | 45.09%-37.3pp | 31.72%-23.9pp |
| Employer contribution / active EE | $860 | $2,384-63.9% | $3,919-78.1% | $2,471-65.2% |
| Participant deferral / active EE | $1,563 | $3,734-58.1% | $5,047-69.0% | $3,740-58.2% |
| Admin fee / account holder | $2,057 | $6,321-67.5% | $8,929-77.0% | $5,306-61.2% |