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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 | $71,070 | $88,672-19.9% | $105,223-32.5% | $82,448-13.8% |
| Participation rate | 69.0% | 67.9%+1.0pp | 75.0%-6.1pp | 68.1%+0.9pp |
| Annual return | 8.98% | 30.86%-21.9pp | 180.65%-171.7pp | 41.64%-32.7pp |
| Employer contribution / active EE | $6,143 | $3,048+101.5% | $3,689+66.5% | $2,551+140.8% |
| Participant deferral / active EE | $1,044 | $4,036-74.1% | $5,072-79.4% | $4,139-74.8% |
| Admin fee / account holder | $6,691 | $7,146-6.4% | $8,859-24.5% | $7,234-7.5% |